Search found 9 matches

by cyclist
Mon Nov 20, 2017 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Managing taxable portfolio as retirement nears
Replies: 2
Views: 275

Managing taxable portfolio as retirement nears

We're comfortable with our asset allocation and have 2 years of expenses in cash and intermediate-term tax-exempt bond funds in our taxable accounts. We're likely to retire in our early 60s sometime in the next couple of years or so. We're maxing out our retirement contributions and still saving in ...
by cyclist
Fri Nov 17, 2017 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Confused about cash and retirement - isn't this really about market timing?
Replies: 38
Views: 2914

Confused about cash and retirement - isn't this really about market timing?

I'm just starting to think retirement strategy. I've seen numerous posts where folks advocate keeping significant chunks of their portfolios in cash as they head toward retirement. I must be missing something. I've relied on dollar cost averaging throughout my working life. I've invested in index fu...
by cyclist
Thu Nov 02, 2017 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio questions - 5 years from retirement (maybe)
Replies: 8
Views: 741

Re: Portfolio questions - 5 years from retirement (maybe)

> I think the numbers are not going to work for you to retire at 65 with $140K in retirement expenses. > If you believe you will receive a $2Mil inheritance in the next 5-10 years, that would be a game changer. You would be OK with $4M+ > You would probably need minimum of $3M if you retire at 65, S...
by cyclist
Thu Nov 02, 2017 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio questions - 5 years from retirement (maybe)
Replies: 8
Views: 741

Re: Portfolio questions - 5 years from retirement (maybe)

> If you provide information on expected expenses in retirement, current annual savings, Social Security, > and your actual level of assets (low 7 figures can mean $1 million to $3 million to my way of thinking), you will get better advice. Current annual expenses around $140k/year, savings around $...
by cyclist
Thu Nov 02, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio questions - 5 years from retirement (maybe)
Replies: 8
Views: 741

Portfolio questions - 5 years from retirement (maybe)

I'd love a quick sanity-check on what we're investing in, and how we're planning for retirement. I’m 61, spouse 60. We have 11 years and $153k left on the 3% mortgage, no other debt. The kids are grown and independent. We file taxes jointly, 33% federal rate, 8% MD rate. We’re both employed, but wou...
by cyclist
Sun Oct 29, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Basic money management s/w for a mac-based millennial English major?
Replies: 21
Views: 1291

Basic money management s/w for a mac-based millennial English major?

Like a lot of her peers my daughter has graduated college and she's working, but just doesn't feel confident that she understands where her money is going and whether she's meeting her savings goals. She's not disciplined enough to build her own budget and track everything via spreadsheet. Dad uses ...
by cyclist
Mon Jul 01, 2013 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Index 500 + ? = Total Stock Market
Replies: 4
Views: 644

Index 500 + ? = Total Stock Market

My retirement plan doesn't include a decent total stock market fund. The best it's got (among some truly horrible and expensive choices) is an Index 500 fund, albeit with higher fees than Vanguard's. (There are no decent bond or international funds at all, so we buy those through my wife's TIAA-CREF...
by cyclist
Fri Jun 21, 2013 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation, life changes - newbie needs advice
Replies: 2
Views: 634

Asset Allocation, life changes - newbie needs advice

My wife and I are mid-50s. We've just laid away the last of the college money for our kids. (College funds are excluded below.) We had suspended retirement investing while we did that, but are ready to resume. We'd always planned to fund our own retirement, but are now aware that we are likely to ge...