Search found 15 matches

by LXEX55
Sat Sep 30, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: How Safe are Stable Value Funds
Replies: 24
Views: 1994

Re: How Safe are Stable Value Funds

Well, let me phrase it this way, I am one year away from retirement. cannot afford to loose at this late stage of the game. My 401k is 75 percent stable value, twenty five percent domestic stock mutual fund. I seem to be the kind of personalty that would do well by buying an immdediate fixed annuity...
by LXEX55
Sat Sep 30, 2017 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: How Safe are Stable Value Funds
Replies: 24
Views: 1994

How Safe are Stable Value Funds

In the event of much publicized market correction ever occuring, will Stable Value funds in my 401k be safe?
by LXEX55
Thu Sep 21, 2017 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Warren Buffett and Bond Funds
Replies: 33
Views: 3042

Warren Buffett and Bond Funds

I read in more than one place that Warren Buffett believes that bond funds are a bad idea in a retirement portfolio and that he is against the traditional 60/40 stock/bond allocation in retirement. He said he tells friends and relatives of moderate income to have about three years of ready case at h...
by LXEX55
Tue Aug 29, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Who should I ask about Social Security?
Replies: 10
Views: 1174

OK, here is the question....

Perhaps one of you would be kind enough to share your knowledge .... I plan to retire next year at 63, my wife will be 61 at the time. My monthly SS will be much greater than hers. My question: If I retire before my full retirement age (66, 2 months) is my wife still eligible for the " one half the ...
by LXEX55
Tue Aug 29, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Who should I ask about Social Security?
Replies: 10
Views: 1174

Who should I ask about Social Security?

I have a few pretty simple questions about Social Security that I cannot find answers for online. I Googled Social Security lawyers in NYC, but, they all seem to want to represent clients whose claims have been denied, etc, and don't seem like the type of lawyer who could best advise me on benefit o...
by LXEX55
Fri Aug 25, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Allocating Cost for Health Insurance In Retirement?
Replies: 6
Views: 699

Re: Allocating Cost for Health Insurance In Retirement?

Thank you all for your time, expertise, and kindness. My wife and I reading all this very carefully. If it were not for her being a 2x cancer survivor, I would not be worried.
by LXEX55
Thu Aug 24, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Allocating Cost for Health Insurance In Retirement?
Replies: 6
Views: 699

Allocating Cost for Health Insurance In Retirement?

I am 62 and plan to retire next year (at 63). Am in perfect health, no pre-existing conditions, but, I know that can change with one doctor’s visit. My wife is 60 (she will be 61 when I retire). She is a breast cancer survivor twice. When I leave my job, the COBRA plan will provide 18 month coverage...
by LXEX55
Fri Aug 11, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value Funds vs Bond Funds
Replies: 33
Views: 2336

Stable Value Funds vs Bond Funds

I plan to retire next year, and am pretty sure I am going to allocate my funds 60% stock index funds and 40% bond index funds. My wife feels that we should put the 40% in Stable Value Funds rather than bond funds, since she feels bond funds cannot go any higher, as the interest rate seems to be cree...
by LXEX55
Sat Jun 24, 2017 4:26 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1854
Views: 1125778

Re: The Three-Fund Portfolio

This is very similar to what Ben Stein recommends in YES, YOU CAN STILL RETIRE COMFORTABLY. Only difference is, Stein includes Inflation Indexed Bond fund, along with the other three mentioned. He recommends 25% for each fund, no matter what your age. I am not sure I am going to go with the 50% in s...
by LXEX55
Sun Jun 18, 2017 5:33 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1854
Views: 1125778

Re: The Three-Fund Portfolio

May I ask what would be the suggested allocation of these three funds for a person who retires at age 63? Would you just do 33% each or go heavier on one fund?
by LXEX55
Sun Nov 27, 2016 6:40 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1854
Views: 1125778

Re: The Three-Fund Portfolio

In his book YES, YOU CAN STILL RETIRE COMFORTABLY! Ben Stein recommends something very similar:
50% total stock market index; 50% total bond market. He offers an alternative: 25% total U.S. Bond Market Index, 25% total U.S. stock market index, 25% inflation indexed bonds, 25% international stock.
by LXEX55
Sun Nov 27, 2016 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Investing in the 80's when CD rates were 17%?
Replies: 74
Views: 8746

Re: Investing in the 80's when CD rates were 17%?

Sure, I remember. Those high CD return rates were the foundation for many "buckets" investors. People would ladder their investments up to five years, with a CD coming due each year. I remember my mom in Florida visiting each bank checking their interest rate and often negotiating for a sl...
by LXEX55
Sun Sep 11, 2016 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions of the Couch Potato Retirement Portfolio
Replies: 9
Views: 1555

Opinions of the Couch Potato Retirement Portfolio

In Ben Stein's book YES, YOU CAN STILL RETIRE COMFORTABLY he recommends the couch potato portfolio for retirement, which is basically 50% of your money in a total stock index and 50% in a total bond index. He also offers a slightly refined version which is 25% total U.S. bond market index, 25% total...
by LXEX55
Fri Feb 12, 2016 11:24 am
Forum: Investing - Help with Personal Investments
Topic: When do you cut bait and run?
Replies: 17
Views: 3390

When do you cut bait and run?

I am 60 years old, and six months ago, I had about $310,000 in my 401(k) which amounts to all of my cash assets. It is now worth about $265,000 and dropping daily. I am in index funds 100%. I realize now that it was a mistake not to diversify, but hindsight in 20/20 and I obviously need glasses. At ...
by LXEX55
Fri Feb 12, 2016 9:16 am
Forum: Personal Finance (Not Investing)
Topic: What is your decline in Net Worth as of today?
Replies: 96
Views: 12468

Re: What is your decline in Net Worth as of today?

My 401k is down 7.5% since January.