Search found 2710 matches

by #Cruncher
Sat Jan 12, 2019 3:31 pm
Forum: Investing - Theory, News & General
Topic: TIPS Ladder Spreadsheets in General & Two in Particular
Replies: 58
Views: 16050

Re: TIPS Ladder Spreadsheets in General & Two in Particular

I'm planning a TIPS ladder as an LMP [Liability Matching Portfolio], with maturities starting in 2024 and running through 2049, and have a number of specific questions ... Before tackling your questions, GSB, I set up my TIPS Ladder Builder spreadsheet to cover the years 2024 - 2049 using the lates...
by #Cruncher
Fri Jan 11, 2019 8:13 am
Forum: Investing - Theory, News & General
Topic: Formula/tool to figure out benefits of max'ing 401(k) based on month
Replies: 3
Views: 376

Re: Formula/tool to figure out benefits of max'ing 401(k) based on month

For example, if I max it in April vs October, how much more potential do I have to earn … Ideal would be a calculator that … shows you how much you'd have extra in 5/10/20/etc years vs max'ing later. Say you invest $10,000 annually in your 401(k). If I understand correctly, benevo, you'd like to es...
by #Cruncher
Mon Jan 07, 2019 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: High Yield TIPS Bill
Replies: 5
Views: 429

Re: High Yield TIPS Bill

... I notice a 1 year TIPS bill with a 4.4% Yield to Worst/Maturity. ...I see that the coupon rate is 0.125% … if I were to buy $100 worth of this bill, will actually get $104.4 back in one year? If so, where is the catch ... As FactualFran says in the previous post, you're looking at the TIPS matu...
by #Cruncher
Fri Jan 04, 2019 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds not going up as much, why?
Replies: 10
Views: 1885

Re: Bonds not going up as much, why?

The drop [in NAV of VBTLX] happened with the expectation of the rise in rates. That is, the drop(s) happened before the rates rose. (underlines added) Incorrect. The Net Asset Value of a bond fund moves instantly with the prices of its individual bond holdings. And those prices move instantly with ...
by #Cruncher
Mon Dec 31, 2018 11:36 pm
Forum: Investing - Theory, News & General
Topic: Consistent Yield & Duration to Help Choose TIPS Fund
Replies: 94
Views: 24210

Re: Consistent Yield & Duration to Help Choose TIPS Fund

I've updated the Yield to Maturity and Duration Calculator with WSJ TIPS Prices 12/31/2018 and the weighting effect of the 30-year auction in October, 10-year auction in November, and the 5-year auction in December. As shown in the table below, for the first time since I started this thread in Octob...
by #Cruncher
Sat Dec 29, 2018 6:18 am
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 8017

Re: TIPS yield curve inverted at short end

(Note that for an inflation-indexed bond like TIPS yields are calculated using the prices before inflation-indexing.) What do you mean there? The YTMs of 2.056% and 1.642% in quote below are based on the Inflation-Adjusted Prices of 116.129077 and 116.622576, aren't they? They could be if we assume...
by #Cruncher
Fri Dec 28, 2018 4:43 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 8017

Re: TIPS yield curve inverted at short end

… the price at maturity is 117.607 … the adjusted ask price was 99.903 * 1.17732 = 117.618. So ... a small capital loss at maturity of -0.011 = 117.607 - 117.618 … the interest paid at maturity is 1.24957 ... the accrued interest as of the settlement date of 12/24/2018, which is 1.10134 … So the ne...
by #Cruncher
Wed Dec 26, 2018 11:21 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 8017

Re: TIPS yield curve inverted at short end

When January 16, 2020 rolls around all that I will want to determine is: Was the break even inflation rate close to 0.8% or was it close to 2%? We don't need to wait until the TIPS matures on Jan 15, 2020 (or even until the November 2019 CPI is released in December 2019) to know the breakeven infla...
by #Cruncher
Wed Dec 26, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question
Replies: 10
Views: 1215

Re: Tax question

... single with incomes per year of 24000 SS 10000 pension … How much [Roth conversion] can I do to max out the 12% bracket and how can I calculate how much would be due on all the incomes. Is there a calculator? Any suggestions appreciated. The 2nd part of your question is easy. The 2018 federal i...
by #Cruncher
Tue Dec 25, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 8017

Re: TIPS yield curve inverted at short end

… Kevin, I've put the calculations in your post into a little spreadsheet. It gets the same 1.94% nominal yield.... … If I use my APR calculation directly on your values I get 1.92%. Although we worked the problem differently, we used basically the same inputs, so I can't explain this minor discrep...
by #Cruncher
Mon Dec 24, 2018 7:52 am
Forum: Investing - Theory, News & General
Topic: TIPS yield curve inverted at short end
Replies: 129
Views: 8017

Re: TIPS yield curve inverted at short end

[Regarding the TIPS maturing January 15, 2019] … Dividing the net total return by the adjusted price at settlement, we get a return of 0.1171% = 0.13771/117.618. There are 22 days between settlement and maturity, so annualizing the yield we get 1.94% = 0.1171% / 22 * 365. Kevin, I've put the calcul...
by #Cruncher
Sun Dec 23, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Open social secuity
Replies: 40
Views: 2663

Re: Open social secuity

Tax planning is always case-by-case, but in a majority of cases I have looked at, it has turned out to be a point in favor of delaying. Using the new "Retire" sheet in my Marginal Tax Rates spreadsheet, I confirmed this for a simple case. Considering federal income tax improved the real return for ...
by #Cruncher
Sat Dec 22, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Spreadsheet to show how taxable SS benefits will affect you
Replies: 138
Views: 24243

Re: Spreadsheet to show how taxable SS benefits will affect you

If you use the spreadsheet otherwise in constant day inflation adjusted dollars (which I find more intuitive) the [$25,000 & $32,000 thresholds] actually decrease in real dollars. I actually went in and lowered those amounts to approximate a reasonable inflation rate. I assume that works, but I hav...
by #Cruncher
Fri Dec 21, 2018 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: FUMBX Tax Treatment - Fidelity Short-Term Treasury Bond Index Fund
Replies: 5
Views: 445

Re: FUMBX Tax Treatment - Fidelity Short-Term Treasury Bond Index Fund

According to the Wiki's State income taxes : Interest and dividends States cannot tax the Federal Government; therefore, interest on Government obligations, such as Treasury bonds and TIPS (but not GNMAs), is exempt from state tax. ... In most states, if a fund contains a mixture of taxable and tax-...
by #Cruncher
Fri Dec 21, 2018 1:10 pm
Forum: Investing - Theory, News & General
Topic: Just how good is I-bonds' nominal guarantee during deflation?
Replies: 29
Views: 2931

Re: Just how good is I-bonds' nominal guarantee during deflation?

... I believe TIPS are yielding 1.0%. Under what scenario would it be an advantage to choose TIPS over IBonds, which currently yield over 2.8%? Both instruments have inflation protection, but I don't see how TIPs would become the right choice. You're comparing "apples and oranges", MisterMister. Th...
by #Cruncher
Thu Dec 20, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: Just how good is I-bonds' nominal guarantee during deflation?
Replies: 29
Views: 2931

Re: Just how good is I-bonds' nominal guarantee during deflation?

I like your term "deflation bonus" better and will be using it in the future if it's not copyrighted, #Cruncher. :D Thanks for the compliment, Mel. :happy You're welcome to use the term "deflation bonus". The thought that someone might copyright it never occurred to me. As far as I know, no one has...
by #Cruncher
Wed Dec 19, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: Just how good is I-bonds' nominal guarantee during deflation?
Replies: 29
Views: 2931

Re: Just how good is I-bonds' nominal guarantee during deflation?

… So, I Bonds offer both inflation AND deflation protection With deflation, the purchasing power of my dollars increases. I've never understood why I need protection against that! The deflation protection is against the loss of previous gains/earnings. That's correct, Mel, if we look at the nominal...
by #Cruncher
Tue Dec 18, 2018 1:34 pm
Forum: Investing - Theory, News & General
Topic: Just how good is I-bonds' nominal guarantee during deflation?
Replies: 29
Views: 2931

Re: Just how good is I-bonds' nominal guarantee during deflation?

Deflation and interest rate increases are two separate things, ... Good point, telemark!. The original poster seems to be confusing these two events. In 2015 we had very mild deflation. During that time the inflation adjustment for I bonds went to zero, but their real (after deflation) rate was som...
by #Cruncher
Sun Dec 16, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security options for 2 equal-history spouses.
Replies: 20
Views: 1529

Re: Social Security options for 2 equal-history spouses.

... for equal PIAs and ages, the spouse with the longer life expectancy files first at 62y 1 mo, and the other spouse files at 70. Makes sense to me as that gives, on average, the spouse likely to be the survivor (the female in this case) the larger widow(er) benefit for a longest time. Assuming bo...
by #Cruncher
Fri Dec 14, 2018 1:21 am
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit Pension Question
Replies: 20
Views: 1812

Re: Defined Benefit Pension Question

How is it possible for the factor for 100% Joint & Survivor to be reduced from what it was in 2014 (0.814), when my wife will be 5 years older? As people age, the chances decrease that they will live any given number of years. Because of the way probabilities work, [*] the ratio between the probabi...
by #Cruncher
Sun Dec 09, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Pension vs Lump Sum payment
Replies: 8
Views: 1078

Re: Pension vs Lump Sum payment

... use an actuarial table to figure out your expected age at death. Calculate the Net Present Value by discounting the cash flow by x % until the NPV = lump sum payment. x = expected return rate of pension. According to the SSA 1970 Cohort Life Table , the life expectancy of a 50-year old man is 3...
by #Cruncher
Thu Dec 06, 2018 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Understanding TIPS
Replies: 7
Views: 992

Re: Understanding TIPS

When [the TIPS] matures, will I receive the $10640 + the interest or just $10000 + interest? You will receive $10,000 plus 1/2 the coupon both multiplied by the inflation index ratio. From your description of the price and yield, you're referring to the 0.125% 5-Year TIPS Maturing 4/15/2019 . (In f...
by #Cruncher
Wed Dec 05, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Help me understand "Payout Rate" for an Annuity
Replies: 58
Views: 3407

Re: Help me understand "Payout Rate" for an Annuity

For very high wealth individuals, annuities also have the benefits of deferring taxes better than a bond ladder. … This benefit might be worth accepting a few less basis points or a bit more risk depending on your anticipated marginal tax rate. Good point, Ragnoth. An example might be instructive t...
by #Cruncher
Mon Dec 03, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand "Payout Rate" for an Annuity
Replies: 58
Views: 3407

Re: Help me understand "Payout Rate" for an Annuity

… Mortality Credits are the result of pooling lots of lifetime annuities. ... … can you provide a quantitative example with real numbers? ... Not sure if this is what you mean by "quantitative example", fishandgolf. But consider an insurance company that sells lifetime annuities to 80,277 men exact...
by #Cruncher
Fri Nov 30, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand "Payout Rate" for an Annuity
Replies: 58
Views: 3407

Re: Help me understand "Payout Rate" for an Annuity

My GUESS is that you are correct about the monthly versus annual payout is what is making the difference. I also believe that WHEN the annual payout happens will also influence the interest rate number. That's right. One can assume monthly or annual periods. AND one can assume the payment is made a...
by #Cruncher
Thu Nov 29, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki - Progressive tax
Replies: 25
Views: 2087

Re: Wiki - Progressive tax

Nicely written article , LadyGeek. For convenience, the IRS places the sum of the underlying tax brackets in the same row as the Taxable income. The amount of $4,453.50 is the sum of the 10% and 12% brackets ($3,501.00 + $952.50). ... Total tax = $4,453.50 + 22% * ($60,000 - $38,700) = $9,139.50 It ...
by #Cruncher
Sun Nov 18, 2018 11:00 pm
Forum: Investing - Theory, News & General
Topic: Sell 0% Fixed Rate IBonds and Buy TIPS?
Replies: 19
Views: 2072

Re: Sell 0% Fixed Rate IBonds and Buy TIPS?

Interesting article by the financebuff.. https://thefinancebuff.com/when-to-sell-i-bonds.html Member tfb 's spreadsheet in the article does an excellent job calculating the gain from redeeming a low fixed rate I Bond early and investing the after tax proceeds in TIPS. I've expanded his approach to ...
by #Cruncher
Wed Nov 14, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS OID for 2011 through 2018
Replies: 19
Views: 3668

TIPS OID for 2018: 2.5%

With the release of the October 2018 CPI today, I've updated my TIPS Interest and OID through the end of 2018. It shows interest and OID for each $1,000 face value of the following 45 TIPS. (OID or Original Issue Discount is how the IRS refers to the increase in inflation-adjusted principal.) 38 bon...
by #Cruncher
Tue Nov 06, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: Duration matching with TIPS funds instead of buying individual TIPs
Replies: 16
Views: 1324

Re: Duration matching with TIPS funds instead of buying individual TIPs

The Treasury appears to set the interest rate at auction such that the price per bond is as close to $1,000 as possible. This is approximately true for the initial auction of a Treasury bond (nominal or TIPS). [*] But it is not the case for subsequent auctions of the same issue. For example, the re...
by #Cruncher
Mon Nov 05, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: Dividends for fund not own whole month
Replies: 13
Views: 1987

Re: Dividends for fund not own whole month

I'm replying to this old thread to add some confirming information. To help other readers, please allow me to assist with name + symbol + link identification: Vanguard's Short-Term Government Bond Index Fund , VSBSX, … in their respective statutory prospectus ... ... The Fund’s income dividends gen...
by #Cruncher
Mon Nov 05, 2018 2:33 pm
Forum: Investing - Theory, News & General
Topic: Duration matching with TIPS funds instead of buying individual TIPs
Replies: 16
Views: 1324

Re: Duration matching with TIPS funds instead of buying individual TIPs

I could simply purchase a TIP in that amount maturing in 10 years but the problem with that is that the return from TIP assumes that the interest thrown off is re-invested in the TIP and that is impractical. A zero-coupon TIP would be perfect, if it existed. The coupon on the latest 10-year TIPS, t...
by #Cruncher
Fri Nov 02, 2018 3:28 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate = 0.5%
Replies: 90
Views: 8795

Re: I Bond fixed rate = 0.5%

I'm considering redeeming some of my first I Bonds from a year ago (0.1% fixed) to roll them into the new rate. Good point. What's the calculation to decide if the lost interest from the older I bonds (if <5 years old) is worth it for the new higher fixed rate? I've developed a little spreadsheet t...
by #Cruncher
Thu Nov 01, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: RE TIPS- Is my understanding below correct?
Replies: 1
Views: 393

Re: RE TIPS- Is my understanding below correct?

The price you pay for a bond (nominal or inflation-indexed) is irrelevant to the principal you'll receive at maturity -- the Treasury doesn't care what you paid. For this TIPS at maturity 2/15/2046 you'll receive the inflation-indexed principal (plus the last semi-annual interest payment). Here is t...
by #Cruncher
Thu Nov 01, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate = 0.5%
Replies: 90
Views: 8795

Re: I bond new rate posted - 2.83%

For those interested, here are the composite rates that will take effect from November 2018 to April 2019 [ 1 ] and run for six months for all outstanding I Bonds, including newly issued ones with a 0.50% fixed rate (see TreasuryDirect News Release ). [ 2 ] They incorporate the new semi-annual infla...
by #Cruncher
Mon Oct 29, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Earliest I-bond redemption without penalty
Replies: 2
Views: 437

Re: Earliest I-bond redemption without penalty

... is November 01, 2018 (5 years later) the earliest I can redeem without 3 months interest penalty? Yes. You can confirm this with TreasuryDirect's Savings Bond Calculator (SBC). Choose Series: I-Bond Denomination: 1,000 Issue Date: 11/2013 Here is what it will show as the Value for the following...
by #Cruncher
Sat Oct 27, 2018 12:14 am
Forum: Investing - Help with Personal Investments
Topic: When to sell CDs and accept EWP
Replies: 10
Views: 1365

Re: When to sell CDs and accept EWP

For the original CDs with maturity dates longer than 2 years, this does not take into account the break-even point compared with the new CD maturing in 2 years when the new CD matures, does it? ... What I seek is to know the yield necessary to break even at the maturity date of the new CD. I don't ...
by #Cruncher
Fri Oct 26, 2018 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum pension vs. annual annuity
Replies: 12
Views: 1731

Re: Lump sum pension vs. annual annuity

Some quick amounts. [1] Present Value 177 month for 35 years $74,340.00 [2] Present Value 35k lump 6% for 35 years $84,668.15 [3] Present Value 286 month for 30 years $102,960.00 [4] Present Value 46k lump 6% for 30 Years $100,255.50 There are three problems with this, pdog. Firstly, since you're a...
by #Cruncher
Wed Oct 24, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: When to sell CDs and accept EWP
Replies: 10
Views: 1365

Re: When to sell CDs and accept EWP

(For the ones maturing in 11/2020, rounding to 2 years to maturity, I assume the answer would be 2.57%/.75= 3.43%, since I would be losing about 1/4 of the remaining interest cf. holding to maturity, correct?) No, the breakeven rate on the new CD is about 3.22%, not 3.43%. After the 6 month penalty...
by #Cruncher
Tue Oct 23, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Confused about compound interest and diminishing returns
Replies: 7
Views: 1376

Re: Confused about compound interest and diminishing returns

For example, I just increased taxable another $6k/per year resulting in my family being able to retire ~ 1 year earlier. Shaving a year off your otherwise required worklife is quite significant in terms of QoL [quality of life]. One year seems like a lot to me also. In the following example continu...
by #Cruncher
Mon Oct 22, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Federal taxes in retirement
Replies: 25
Views: 2524

Re: Federal taxes in retirement

So expecting provisional income >50K/yr means 85% of SS will be taxed, which would greatly impact our bottom line tax rate, perhaps bump us from 12% to 22%. Our situation in 1yr, monthly SS 1700+ @ 62.5yrs Pension 2000+ Rents 1000+ Annuity 50% taxed +/- 10% 1500 ... One of could keep working gross ...
by #Cruncher
Sun Oct 21, 2018 7:31 am
Forum: Investing - Theory, News & General
Topic: Thoughts on 5 year TIPS bonds?
Replies: 42
Views: 3692

Re: Thoughts on 5 year TIPS bonds?

... I was just curious why the Jan 2019 one is at 1.7% and April 2019 is at 1.5%, higher than later ones. I am guessing it has something to do with how the semi-annual inflation adjustments work and those two bonds having less than 6 months to maturity? Your guess is partially right, Jeffy. But the...
by #Cruncher
Fri Oct 19, 2018 10:36 pm
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction: Oct. 18: 1.2% real yield?
Replies: 44
Views: 4043

Re: 30 yr TIPs auction: Oct. 18: 1.2% real yield?

Would using the coupon payments to purchase the same TIPS, effectively "reinvesting" the coupon in the same issuance, be a close substitute for strips? It depends on the yield to maturity (YTM) at the time coupon payments are reinvested in the TIPS. [1] If the YTM is the same as that of the origina...
by #Cruncher
Fri Oct 19, 2018 7:28 am
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction: Oct. 18: 1.2% real yield?
Replies: 44
Views: 4043

Re: 30 yr TIPs auction: Oct. 18: 1.2% real yield?

... if one is building a LMP [Liability Matching Portfolio], which is what I am doing, I think the ideal coupon is "0%", ... the bottom line is that I want my present day purchase to at least be equaled in real value at maturity. Additional coupons paid out every year complicate things. Indeed! Acc...
by #Cruncher
Mon Oct 15, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security [impact of earnings on benefits]
Replies: 29
Views: 2864

Re: social security

If the op files a separate return from his spouse, every penny of his SS benefit will be taxable. According to the Social Security Benefits Worksheet , if the separate return filer lived apart from his spouse the entire year, the taxable portion of SS is determined the same as if he were single. Bu...
by #Cruncher
Sun Oct 14, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Company Pension: Single Life Annuity vs Accelerated Income option
Replies: 3
Views: 426

Re: Company Pension: Single Life Annuity vs Accelerated Income option

… I intend to take a single life annuity pension next year when I turn 60. ... Under the accelerated income option, the payout until 62 and two months is about 35% higher ($600/month) than normal single life payout. After 62.167 the payout for the duration is about 6% lower ($100/month) than normal...
by #Cruncher
Sun Oct 14, 2018 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Start a Treasury Ladder... or not?
Replies: 17
Views: 2383

Re: Start a Treasury Ladder... or not?

I am considering breaking up the $1 mil into 5 equal $200K lots and begin in Nov building a monthly ST Treasury bond ladder until all funds are invested by March 2019. Then come April I will have Treasuries maturing every month going forward ... Unless you buy in the secondary market, you can't pur...
by #Cruncher
Sat Oct 13, 2018 2:25 pm
Forum: Investing - Theory, News & General
Topic: Morse Code Glide Path
Replies: 32
Views: 1861

Re: Morse Code Glide Path

… The "To 70%" column in the table below shows the exchange from bonds to stocks necessary to restore the 70% stock allocation. But ... the recommended approach reduces the bond allocation from 30% down to only 18%. (60% X 326 / 1080), and the stock allocation up to 82%. The "To 82%" column below s...
by #Cruncher
Fri Oct 12, 2018 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Is this calculation on t-bill tax-equivalent return correct
Replies: 12
Views: 1515

Re: Is this calculation on t-bill tax-equivalent return correct

Do i set the week number (0, 3, 6, 9) to the auction settlement date? Yes. 4, 13, and 26 week Treasury Bills are scheduled so that every week a new one is issued (i.e., the settlement date) on the same day an old one matures. (Normally this is on Thursday, but will be Friday if Thursday is a holida...
by #Cruncher
Fri Oct 12, 2018 11:57 am
Forum: Investing - Theory, News & General
Topic: Morse Code Glide Path
Replies: 32
Views: 1861

Re: Morse Code Glide Path

The beauty of this is in down markets, the bond allocation actually decreases, forcing you to buy more stocks than you would with a target date glide path ... Following this approach would require an iron will (and stomach!) in a severe downturn in stock prices. Consider the crash from 2007 to 2009...
by #Cruncher
Fri Oct 12, 2018 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Lump sum vs pension
Replies: 14
Views: 1549

Re: Lump sum vs pension

My pension does not have cola. … A June 1, 2019 retirement. Projected numbers Lump Sum 413,056 Pension with 75% for my wife if I should die first. 23,520 per year and 17,640 per year. I will be 62 next month and my wife is 60, soon to be 61. Assuming you can roll it into an IRA, I suggest taking th...