Search found 9 matches

by ronhh
Sat Jul 07, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 93
Views: 8051

Re: What rate of return are you using for retirement projections?

And I should mention, from a portfolio allocation standpoint, I plan to be about 40% Vanguard Stock Index Fund(s); 40% Vanguard Bond Index Fund(s); and 20% cash and near cash (money market/CD's)
by ronhh
Sat Jul 07, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 93
Views: 8051

What rate of return are you using for retirement projections?

I'm 56 years old, and have been planning diligently for an anticipated retirement at age 60. I use a 30-year retirement duration for my planning purposes (60 to 90 years of age). My question: what rate of return do some of you use when you're looking at how long your nest egg will last? I struggle a...
by ronhh
Mon Feb 26, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: 2.75% 13 month CD New England Only
Replies: 4
Views: 901

Re: 2.75% 13 month CD New England Only

Ally has been offering 2.00% for one year
by ronhh
Thu Jan 25, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 198
Views: 16502

Re: Stats on When People Take Social Security

Any thoughts of taking SS early at 62; and in turn, investing that check each month in VTSAX and VBTLX? Well, I took it early at 62 and just didn't withdraw from my IRA. The money was already invested. I am far ahead of where I would have been by waiting. And, the money is in my own account which i...
by ronhh
Sat Jan 20, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 198
Views: 16502

Re: Stats on When People Take Social Security

Any thoughts of taking SS early at 62; and in turn, investing that check each month in VTSAX and VBTLX?
by ronhh
Thu Jan 18, 2018 9:01 am
Forum: Investing - Theory, News & General
Topic: 0% growth on stocks for the next decade?
Replies: 16
Views: 2088

Re: 0% growth on stocks for the next decade?

In an article on March 22, 2017, Bogle was quoted as saying that investors should expect a 4% annual nominal return on stocks over the next decade (2% dividend + 2% growth). https://www.cnbc.com/2017/03/22/jack-bogle-believes-the-stock-market-will-return-only-4-annually-over-the-next-decade.html I ...
by ronhh
Fri Jan 12, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 186
Views: 25458

Re: TurboTax Prices

Honestly, this is a product that I buy once a year and it isn't that expensive on an absolute level so I don't stress over the price of a product that I've been using for years, know how to use and can easily import data from the prior year to help with the current year. Generally agree. I have no ...
by ronhh
Tue Jan 09, 2018 10:14 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 363
Views: 41726

Re: Year 2000 retirees using the '4% rule' - Where are they now?

This is one of the more thought-provoking, and insightful threads I've read on this forum. Thanks for sharing, and thanks to all my fellow BH's for adding color/commentary.
by ronhh
Thu Sep 14, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 75
Views: 43360

Re: Can't freeze credit at Experian?

I was successful at putting "freezes" on my accounts at all three reporting agencies. But, it took about 2 hours to get it done given the amount of traffic that is hitting the websites. I did it all online, and it did not require a credit card or any payment (I live in South Carolina, this may be st...