Search found 14 matches

by cyclist
Tue Jan 02, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: New law drops me to the 24% bracket - muni bonds still make sense?
Replies: 2
Views: 727

Re: New law drops me to the 24% bracket - muni bonds still make sense?

I'd only consider shorter term for money I expect to spend over the next few years. In reality, I expect my taxable position to be drained in 11 years or so, so intermediate term might be just fine for most if not all of the funds. Seems to me that I'd rather not be the last guy out the door if muni...
by cyclist
Tue Jan 02, 2018 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: New law drops me to the 24% bracket - muni bonds still make sense?
Replies: 2
Views: 727

New law drops me to the 24% bracket - muni bonds still make sense?

I've been comfortable with VWIUX in taxable for years, but the new tax law dropped me to the 24% bracket and I'm not sure muni bonds still make sense for me. I'm also expecting to spend down my taxable assets over the next handful of years or so -- does that suggest I should be shortening duration? ...
by cyclist
Tue Dec 26, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 27
Views: 3250

Re: Electric Bicycles

I've bicycled 4500 miles across the US without an electric assist, and commuted to work well over 10,000 miles on the same bike with electric assist. Both are great. Both can give you every bit of exercise you want. Which is right for you is all about what you're trying to accomplish. I'm a big fan ...
by cyclist
Wed Dec 06, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Inexpensive way to ship heavy item...
Replies: 23
Views: 1966

Re: Inexpensive way to ship heavy item...

Oddly enough, shipbikes.com is a good solution. (You're essentially using a bike shop's corporate FedEx account.) I've found it to be quite cost effective - just print the label, drop the package at a local FedEx drop-off facility, and you're all set.
by cyclist
Sat Dec 02, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Retiring around 60 and the implications of high draws until 70?
Replies: 4
Views: 875

Retiring around 60 and the implications of high draws until 70?

Me: 61 Spouse: 60 Portfolio: 2m+, roughly 60% stock, overwhelmingly tax-deferred. Currently maximizing tax-deferred contributions and saving in taxable. Planning to defer SS until 70. Mortgage ends at 70. if we retired today the amount we'd need to draw from our portfolio for the first 9 years or so...
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: 414

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: 3354

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: 941

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: 941

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: 941

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: 1504

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: 673

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: 655

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...