Search found 7 matches

by Edward Joseph
Wed Sep 20, 2017 5:30 am
Forum: Personal Finance (Not Investing)
Topic: Help in understanding annuity benefit base, free amount, etc.
Replies: 8
Views: 761

Re: Help in understanding annuity benefit base, free amount, etc.

Is the $624k an Income Benefit Base or a Death Benefit Base? Is the $448k the TOTAL contract value? If so, doing the FULL withdrawal will typically void and eliminate the entire contract. If $448k is only a partial withdrawal of contract value and the annuity company reduces the Benefit Bases on a d...
by Edward Joseph
Sat Aug 19, 2017 5:54 am
Forum: Investing - Help with Personal Investments
Topic: Help crossing the finish line - Drawdown portfolio
Replies: 10
Views: 1441

Re: Help crossing the finish line - Drawdown portfolio

Are you planning on instituting this draw-down plan right now or at retirement? (Maybe you're retiring now.) Because you can't access the 401k/IRA at your age without a 10% penalty. If you systematically withdraw $100k off only your non-retirement assets starting now, it ends up being a 4% SWR which...
by Edward Joseph
Wed Aug 16, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: NEW at investing, looking for advice (35K)
Replies: 5
Views: 424

Re: NEW at investing, looking for advice (35K)

The first question any Advisor would ask is, "how long until you need to get your hands on the money"? Time horizon is one of the biggest determinants of investing strategy. Also, how are you meeting your living expenses currently with no consistent income? Student loans? Will you have a large loan ...
by Edward Joseph
Sat Aug 12, 2017 7:31 am
Forum: Investing - Help with Personal Investments
Topic: Tracking VG Muni Fund-indices intraday?
Replies: 4
Views: 331

Re: Tracking VG Muni Fund-indices intraday?

Ok. Thanks! Good to know. I'm probably overthinking things, anyway.
by Edward Joseph
Fri Aug 11, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Tracking VG Muni Fund-indices intraday?
Replies: 4
Views: 331

Re: Tracking VG Muni Fund-indices intraday?

I don't have a huge need to see daily fluctuations. When there's big news or market events I sometimes just like to see how things move in relation to my equity positions for diversification purposes. Also, I'm buy and hold so I'm not trying to time anything (not that you can anyway with mutual fund...
by Edward Joseph
Fri Aug 11, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Tracking VG Muni Fund-indices intraday?
Replies: 4
Views: 331

Tracking VG Muni Fund-indices intraday?

I'm a long time Boglehead but first time poster. One of the reasons I like etfs is because I can monitor movements in value during the course of the trading day. I also own Vanguards Intermediate Term Tax Exempt Fund (VWIUX, VWITX) and the Limited Term Tax Exempt Fund (VMLUX, VMLTX) because VG's etf...