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60:40 balanced is my ultimate AA. One fund one life.

rob wrote: ↑Thu Mar 23, 2023 5:28 pm I would get that balanced fund out of there and break into primary pieces.... then pick the best placement for each class across the accounts (taxable, roth etc.).

My ultimate goal is to put everything into one balanced fund (60:40) and let the fund manager to rebalance. Due to high inflation and interest increase, I am use Tips and real asset to hedge inflation.

12% stable value fund (cash +short term bond)
12% bond index fund
12% real asset (tip and inflation protection asset)
18% balanced fund (60% equity 40% bond)
18% SPY500 index
18% Intl index
8% Russel 2000 index
2% company stock

12% stable value fund (cash +short term bond)
12% bond index fund
12% real asset (tip and inflation protection asset)
18% balanced fund (60% equity 40% bond)
18% SPY500 index
18% Intl index
8% Russel 2000 index
2% company stock

pension is am longevity insurance. So 70% survival benefit is mid of 100% 50%. I will tak it if I were you.

OP your NW is 500k and you are already 10%. if you are comparing many BHs here, you feel poor and that's not good for your mental health. I don't even have 0.5 mil NW when I was 30. life is short, feel happy.

The 40% fix income AA could be in TIPS or other real asset portfolios. The 60% equities are still expensive now. An individual should hold a very diversified portfolios.

Cut all your MIL credit cards and line of credit. Sell the beach house pay off all the debt. Move in with you.

Now 50:50.

Or you can move to Zimbabwe and you all are Millionaires.

If you total asset can buy you 25,000 oz of gold (assuming 1971 gold price $40/oz).

Ever heard The Social Security Tax Torpedo?

I always do mega Roth conversion a day after the pay day. Almost no cap gain or loss.

I don't kown if Roth conversion can claim cap loss or not.

pizzy wrote: ↑Sun Feb 26, 2023 4:46 pm

WhiteMaxima wrote: ↑Sun Feb 26, 2023 4:42 pm One has to use HSA before he/she pass away. Only for healthcare expense. So it it not a indefinite saving account.

https://healthaccounts.bankofamerica.co ... iary.shtml

The beneficiary will have to pay tax.

One has to use HSA before he/she pass away. Only for healthcare expense. So it it not a indefinite saving account.

My 401k plan has real asset fund which is a combination of Tip, Commodities, real estate. This fund is doing pretty well in this high inflation period.

For budget, Bosch. If you want the best, Mielie.

On the contrary, I think growing poor is a good for investing mindset. Why? Because you will spend less (forget about expensive habbit) and accumulate wealth by index autopilot. Actually I have seen so many successful people grow up poor.

with interested at 6%. I would postpone new car purchase. I am still driving 1993 GEO Prizm (aka Toyota Corolla). I will buy a 5% interested CD or just invest in index fund.

I will live a retire life like I have only 500k though I will have many more times of 500k. But I will not share my story with WSJ.

i did the samething. In addition, my company offers a non-qualified retirement saving proram. We can save 50% into our 401k fore aft tax account until reaches 66000 IRS limit, then non-qualified retirment. The best of best is this are before tax. So inddition to IRS $20000+$6000 catch up before tax limit, we can additional before tax saving which effectively reduce my taxable income. Yes cash flow will be tight but mega backdoor IRA and additional tax saving put us in good FIRE path.

!2% is low tax bracket. I would load up with Roth 401k for future tax savings.

I use reward CC to pay my medical expense. Save the receipt. Then I will use HSA as my EM.

My company 401k is managered by Fidelity and I have a Roth IRA with Fidelity. I just directly roll aft-tax 401k after each pay day into my Roth. No cap gain (1 day gain or loss maybe). Mega ROTH.

VYMI 0.22%
SCHY 0.14%

It is not the school that determined your future earning,. It is the field of study that will affect your future earning. Social science degree from Ivy league shcool vs medical science degree from a public school.

Because of decades of low inflation, We missed another asset class: The inflation protected asset (Tips, Comoedities and real estate).In 2022, this asset class return is positive. Better than cash return. So equity, fix income, inflation protected asset, cash are four asset classes. In many companies 401k plan, this class is real asset fund.

I went to top 2 university for free all the way through doctoral degree. If you are paying ivy league school (or partial expense). You are paying other kids for free education. My family is unable to pay me this much to attend expensive university. It all depend how deep is your pocket and how Bogle from attending expensive college.

Delay SS to 71. Delay RMD to 75. You will couple of years to skip SS tax torpedo and hopefully avoid IRAMMA (do Roth conversion and withdraw right)

China economy is 2nd to US. As region, EU is No1, US is No2 China is No 3. I would single out China EM. I would invest a broad market ETF consider single country risk.

Keep your IRA withdraw and other income below your tax bracket threshhold. You will need include SS and pension after 65. To avoid IRAMMA, becareful total rollover and income at 63.

My company policy automatically contribute to aft-tax 401k once reaches fore-tax limit. I typically rollover to Roth right away so no cap gain or loss.

I mega 529 saving for my future generations tax-free education. I will leave nothing to them indulge for fancy cars and life style.

I filled pre-tax 401k 1st and do aft-tax 401k (mega back roth rollover right away) till IRS limit (66000 I believe) the n contibute 50% of my pre-tax income do company non-qualified pre-tax retirement.

My spending budget is vey flexible. Could be barely minimal or maximum. I will feel more comfortable with 200k/year inflation adjusted. We will have pensions and SS total 100k To fill the gap of 100k we would need 2.5mil at 4% withdraw rate. I also want to help kids in my lifetime. So 5.0 mil saving is my goal. 5.0/200k=25X. Oh Yeah 25x

I help them through every stages. I will give away my saving during my lifetime. Help them like Roth, 529 savings.

I used two ARMS already. 1st is 5Year at 3% and right after 7 year ARM at 2.75%. They are all lower than fixed 15/30. It's now my second home. I am planning to sell it after 7 years loan adjust. They allow me more cash reserved for mega backdoor Roth.

I am still driving my 1993 Geo Prizm (Toyota Prizm). Best quality car built ever. NO PLAN TO RETIRE IT.

I have the LX470 which is AWD. The SUV is very thirsty on gas. Big. 3rd row seat is very tight and not very useful. Get a unibody RX350.

Hoping you can provide a yay or nay, or any suggestions, in regard to my plan being somewhat feasible. I live a simple life, so nothing complicated. I don't own a house or any other major asset. Just cash at the moment. Age : 51 and a half Goal Retirement Age : 53 Normal Annual Spending : Below $20,000 Net Worth Goal : $600,000 Withdrawal Rate : $24,000 at 4% (debatable I know) My money will probably be 25% in taxable accounts, and 75% in an IRA and HSA, once I reach my goal amount. This does not include social security ….also ignoring a small pension of $179 per month starting at age 62. I expect my costs to be higher in retirement, because I already spend the bare minimum, and I’ll have to pay for health insurance. I also expect my housi...

Hoping you can provide a yay or nay, or any suggestions, in regard to my plan being somewhat feasible. I live a simple life, so nothing complicated. I don't own a house or any other major asset. Just cash at the moment. Age : 51 and a half Goal Retirement Age : 53 Normal Annual Spending : Below $20,000 Net Worth Goal : $600,000 Withdrawal Rate : $24,000 at 4% (debatable I know) My money will probably be 25% in taxable accounts, and 75% in an IRA and HSA, once I reach my goal amount. This does not include social security ….also ignoring a small pension of $179 per month starting at age 62. I expect my costs to be higher in retirement, because I already spend the bare minimum, and I’ll have to pay for health insurance. I also expect my housi...

70/30 US/intl is good for me.

SS torpedo is unlikely to avoid to most of BH. IRAMMA might if BH do carefully (like Roth conversion before 63). Take SS at 67 might not a bad idea if you can do RMD at 75.

Mega aft-tax 401k to Roth
Company non-qualified before tax retirement.
529 mega lump sum contribution.

Roth conversion man.

No. Wait till they drop to 30k range. Get a Toyota Prius EV hybrid (range 40 mile per charge) for around 35K. Better quality, hybrid, last forever.

Emerging market , value index (small and large) non US market index.

In my case my company has a pretax nonqialify retirement option once I reach the IRS $66000 401k limit. So mega roth make a great sense for me and get company match. The pretax non qualified retire will lower my tax liabilities. I can FIRE sooner.

Great. I can do a lot Roth conversion before 75.