Search found 6316 matches

by Johm221122
Sun Mar 17, 2024 10:20 am
Forum: Personal Consumer Issues
Topic: Need Help Finding a Hobby
Replies: 76
Views: 6011

Re: Need Help Finding a Hobby

KlangFool wrote: Sun Mar 17, 2024 2:46 am
Johm221122 wrote: Thu Mar 14, 2024 1:13 pm Music
I listen to one album a day. When I was a kid we never had such access to whole albums as YouTube allows you today. My daily dose of listening to one Rock album is so enjoyable.
Could you please recommend a YouTube channel for this?

Thanks in advance!!

KlangFool
I just use the search feature

I typed in for example"Warren zevon full album Excitable Boy"
by Johm221122
Sat Mar 16, 2024 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Dollar Cost Averaging
Replies: 12
Views: 874

Re: Dollar Cost Averaging

NavyIC3 wrote: Sat Mar 16, 2024 10:51 am Other than 401s, etc., do you do it when making a purchase? I read a few articles over the years that it doesn't out-perform an immediate purchase. If there is a fund or stock that I like, I just lump sum it.
Lump sum investing usually beats dollar cost averaging.

But I don't have a choice because I periodically invest in my 401k as I get paid. I don't have a lump sum that isn't already invested. As far as my Roth, I save all year and lump sum in January only because of the rules.
by Johm221122
Thu Mar 14, 2024 2:33 pm
Forum: Investing - Theory, News & General
Topic: 5M, probably enough to retire to a frugal lifestyle
Replies: 180
Views: 15196

Re: 5M, probably enough to retire to a frugal lifestyle

I say take the 5 million and move(I couldn't read article).
by Johm221122
Thu Mar 14, 2024 1:44 pm
Forum: Personal Consumer Issues
Topic: Need Help Finding a Hobby
Replies: 76
Views: 6011

Re: Need Help Finding a Hobby

Angel of Empire wrote: Thu Mar 14, 2024 1:30 pm
Johm221122 wrote: Thu Mar 14, 2024 1:13 pm Music
I listen to one album a day. When I was a kid we never had such access to whole albums as YouTube allows you today. My daily dose of listening to one Rock album is so enjoyable.
I started doing this around 6 months ago, missing only a handful of days. I listen with headphones, undisturbed and you're correct- it's very enjoyable.

Today's album selection was The Grand Illusion by Styx, 1977.
👍

Tonight I'm listening to Excitable Boy
by Johm221122
Thu Mar 14, 2024 1:17 pm
Forum: Personal Investments
Topic: Cash or CD's Instead of Bond Funds
Replies: 61
Views: 5448

Re: Cash or CD's Instead of Bond Funds

Not in lieu of but as a liability matching portfolio

This recent post may help you(why cash is a terrible long-term investment )
viewtopic.php?t=411917
by Johm221122
Thu Mar 14, 2024 1:13 pm
Forum: Personal Consumer Issues
Topic: Need Help Finding a Hobby
Replies: 76
Views: 6011

Re: Need Help Finding a Hobby

Music
I listen to one album a day. When I was a kid we never had such access to whole albums as YouTube allows you today. My daily dose of listening to one Rock album is so enjoyable.
by Johm221122
Wed Mar 13, 2024 2:34 pm
Forum: Investing - Theory, News & General
Topic: Purchasing MYGAs (multi year guaranteed annuities) - mega thread
Replies: 2224
Views: 287037

Re: MYGA

This is the master thread for MYGA
viewtopic.php?t=334589
by Johm221122
Wed Mar 13, 2024 10:03 am
Forum: Investing - Theory, News & General
Topic: Index Investing Basics - Revisited
Replies: 126
Views: 7991

Re: Index Investing Basics - Revsited

We can't tell you what else you should diversify into because we don't know the future

I haven't changed My stock allocation much in the last 20 years. I'm going to try and stick to it the rest of my life. I have and will adjust my fixed income.

My stock allocation is 50% S&P 500,25% extended market index,25% international (I keep international close to 50/50 large and small caps)
by Johm221122
Mon Mar 11, 2024 9:47 am
Forum: Personal Investments
Topic: The classic dilemma between income and growth... Where should I be?
Replies: 40
Views: 2324

Re: The classic dilemma between income and growth... Where should I be?

KingRiggs wrote: Mon Mar 11, 2024 9:40 am That $1500/month living expense will certainly change when you decide to FIRE, as your health insurance will now be paid by you. Expect maybe $600-$800 per mont extra if you go for a Siler ACA plan...
Please share your source. What ACA calculator are you using?
by Johm221122
Sat Mar 09, 2024 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: At what point did you prioritize health over money?
Replies: 56
Views: 6441

Re: At what point did you prioritize health over money?

crre wrote: Sat Mar 09, 2024 1:57 pm I'm just afraid of being in 70's of having regrets.

i have known a good number of people, including my mother, who never made it into their 70's. so there's that.
And that is one side of my dilemma

The other side is I eat healthy, exercise and my doctor during last physical called me boring. The doctor said maybe except loose 20 pounds I'm extremely healthy.

I think statistically I have a long way to go and being forced to be a minimalist would be different than choosing to be a minimalist for many decades. I think having the choice to spend more is very important to my piece of mind even if I don't actually spend it.
by Johm221122
Sat Mar 09, 2024 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: At what point did you prioritize health over money?
Replies: 56
Views: 6441

Re: At what point did you prioritize health over money?

I'm debating this daily I am median income and live a very minimalist lifestyle and I'm power saving for a retirement that would probably be on the higher side of spending for my current income. I should reach this by 62/63. But to be honest this minimalist lifestyle and say retireing next year at 55 and using the rule of 55 has a lot of appeal. I'm just afraid of being in 70's and having regrets. I will play it day by day and see what happens. But at this point in life I see working as stealing my time. I don't hate my job but I feel my time is real important and hate waisting it at work hit a specific point where they decided that no amount of extra $$ was worth I haven't gotten to this point yet. But it may come sooner rather than later.
by Johm221122
Sat Mar 09, 2024 11:40 am
Forum: Personal Investments
Topic: Should bond index funds still be part of our asset allocation?
Replies: 16
Views: 1478

Re: Should bond index funds still be part of our asset allocation?

Stactim wrote: Sat Mar 09, 2024 11:25 am Hi All,
Is the Boglehead conventional wisdom still to have bond index funds as part of our asset allocation?
Been seeing a lot of negativity lately regarding bond index funds and how volatility is not that much less than stock index funds.
Just wanted to take others temperature on this.
Thanks!
Bogleheads wisdom would 100% depend on your specific situation. Investing choices are very dependent on individual circumstances
by Johm221122
Sat Mar 09, 2024 11:25 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard so bullish on international exposure in their all-in-one funds?
Replies: 77
Views: 6567

Re: Why is Vanguard so bullish on international exposure in their all-in-one funds?

Long-term investors who followed Jack’s advice read comments like this and laugh all the way to the bank. BTW, good job picking a starting point that best illustrates your view. Show us 1968 - 1989 or 2000 - 2007 next time. Most of us weren’t investing in the 1960’s. What occurs during our investment lifetime is all that matters. And the graph that I showed includes 2000-2007. I chose 1994 as the starting point for a reason—that was when Jack published his first book and gave his advice. If I wanted to best illustrate my view I’d go back a little further to 1988. Notice that even bonds have outperformed international stocks over the past 36 years. That is an investment lifetime for many people. https://i.postimg.cc/KvmMjvRT/IMG-8516.jpg I ...
by Johm221122
Thu Mar 07, 2024 1:51 pm
Forum: Investing - Theory, News & General
Topic: International (Non-US) versus US Equities (The "Arguments")
Replies: 5216
Views: 832931

Re: Half US half international okay?

[Thread merged into here --admin LadyGeek] Is it fine to go half US half International or should I go all US stocks? I don’t really have any home country bias but it seems as though top investors like Buffet and even Bogle did not/do not hold international stocks. I’m not the type to try and copy all the top headlines I see, but I see a lot of news saying how US companies provide global diversification by having revenues from multiple other countries. The 2 funds I am considering are FZROX and FZILX. Thoughts? Buffet doesn't hold international stocks? You may want to double check that. He has invested in Japan very recently I should have clarified - I meant that his advice that he gives in media is generally against international investing...
by Johm221122
Thu Mar 07, 2024 12:39 pm
Forum: Investing - Theory, News & General
Topic: International (Non-US) versus US Equities (The "Arguments")
Replies: 5216
Views: 832931

Re: Half US half international okay?

[Thread merged into here --admin LadyGeek] Is it fine to go half US half International or should I go all US stocks? I don’t really have any home country bias but it seems as though top investors like Buffet and even Bogle did not/do not hold international stocks. I’m not the type to try and copy all the top headlines I see, but I see a lot of news saying how US companies provide global diversification by having revenues from multiple other countries. The 2 funds I am considering are FZROX and FZILX. Thoughts? Buffet doesn't hold international stocks? You may want to double check that. He has invested in Japan very recently I should have clarified - I meant that his advice that he gives in media is generally against international investing...
by Johm221122
Thu Mar 07, 2024 10:40 am
Forum: Investing - Theory, News & General
Topic: International (Non-US) versus US Equities (The "Arguments")
Replies: 5216
Views: 832931

Re: Half US half international okay?

jspa2026 wrote: Wed Mar 06, 2024 7:42 pm [Thread merged into here --admin LadyGeek]

Is it fine to go half US half International or should I go all US stocks? I don’t really have any home country bias but it seems as though top investors like Buffet and even Bogle did not/do not hold international stocks. I’m not the type to try and copy all the top headlines I see, but I see a lot of news saying how US companies provide global diversification by having revenues from multiple other countries. The 2 funds I am considering are FZROX and FZILX. Thoughts?
Buffet doesn't hold international stocks? You may want to double check that. He has invested in Japan very recently
by Johm221122
Wed Mar 06, 2024 11:32 am
Forum: Personal Finance (Not Investing)
Topic: When have you stopped saving for retirement?
Replies: 40
Views: 3890

Re: When have you stopped saving for retirement?

From 2016 to 2019, I only saved 5% in 401k. From 1999 until then I saved 25% or more. Family responsibilities became expensive and I was only one with income. I also spent about 50k of savings from taxable.

Did it cost me? Of course but you and your family only live once. Not one regret but I'm now power saving for retirement. Last year 50% and the year before 40%.
by Johm221122
Mon Mar 04, 2024 11:38 am
Forum: Investing - Theory, News & General
Topic: What good is tax deferred?
Replies: 122
Views: 15329

Re: What good is tax deferred?

Nver2Late wrote: Mon Mar 04, 2024 10:48 am

For lower income/high savers, its prudent to be careful with the tax-deferred vs Roth decision.
I'm the exact person your describing. Yes in the best senerios I will pay more taxes on some of my contributions.But if the market doesn't perform well or for some reason I don't reach my goal traditional will be better. I'd rather pay a little more taxes in best case senerio then come up short in less than best case senerio.

The problem with the descion is I don't know market returns over next few years, my companies plans, my health or my continued desire to work for money anymore (I really value my time over money)
by Johm221122
Mon Mar 04, 2024 11:27 am
Forum: Investing - Theory, News & General
Topic: Aggressive savers: Reduce stocks % the closer you are to your target numbers?
Replies: 32
Views: 3574

Re: Aggressive savers: Reduce stocks % the closer you are to your target numbers?

gwu11 wrote: Mon Mar 04, 2024 11:11 am to "maximize odds of success" perspective?

This is the only thing on my mind.
by Johm221122
Mon Mar 04, 2024 8:54 am
Forum: Investing - Theory, News & General
Topic: The empire strikes back…or at least attempts to [Passive investing]
Replies: 26
Views: 4129

Re: The empire strikes back…or at least attempts to


baby boomers retire and sell in the same proportion that they are buying today.
Problem is "Baby Booomers" in general don't own the majority of the stock market. Very wealthy people and institutions do. Nothing changes by baby boomers retiring, the wealthiest don't need to sell every month to put food on the table.
by Johm221122
Fri Mar 01, 2024 10:09 pm
Forum: Personal Consumer Issues
Topic: Flea Remedies That Have Worked for You?
Replies: 40
Views: 3226

Re: Flea Remedies That Have Worked for You?

ruanddu wrote: Fri Mar 01, 2024 9:30 pm
Johm221122 wrote: Fri Mar 01, 2024 1:39 pm I use dome flea traps. They work for me. They are natural and very cheap. I use water instead of the sticky pads
Thank you. Can you please let me know which one you are using?
https://www.google.com/shopping/product ... 44293,cs:1
by Johm221122
Fri Mar 01, 2024 3:34 pm
Forum: Personal Investments
Topic: SS Delay Bridge - But how?
Replies: 21
Views: 2191

Re: SS Delay Bridge - But how?

r.walker wrote: Fri Mar 01, 2024 3:28 pm Given current MMF yields, a short cash bridge to SS at 70 is pretty straight forward.
What will MMF's yield over the 5 years of withdrawals needed?
by Johm221122
Fri Mar 01, 2024 3:14 pm
Forum: Personal Investments
Topic: SS Delay Bridge - But how?
Replies: 21
Views: 2191

Re: SS Delay Bridge - But how?

Here is a post about term certain annuities which is another option for SS bridge
viewtopic.php?t=418086
by Johm221122
Fri Mar 01, 2024 2:57 pm
Forum: Personal Investments
Topic: SS Delay Bridge - But how?
Replies: 21
Views: 2191

Re: SS Delay Bridge - But how?

I have thought about MYGAs and may consider using some type of annuity in addition to the SS bridge but for a more comprehensive and longer term addition to my retirement plan. To be honest I am still working to understand annuities in general with all the options and costs. Right now I don't have the understanding that I would need to purchase one. But I am working on it. For a SS bridge (with a fixed time frame) I have read that US treasuries a good fit. Not that a MYGA could not fit as well. My understanding is that whatever is used to fund the bridge that it is as least risky as possible. Can you tell me why a MYGA would be better than TIPS or non-TIPS US bonds for a 5 year SS bridge? There is no cost with MYGA'S or a Term certain annu...
by Johm221122
Fri Mar 01, 2024 1:39 pm
Forum: Personal Consumer Issues
Topic: Flea Remedies That Have Worked for You?
Replies: 40
Views: 3226

Re: Flea Remedies That Have Worked for You?

I use dome flea traps. They work for me. They are natural and very cheap. I use water instead of the sticky pads
by Johm221122
Fri Mar 01, 2024 1:10 am
Forum: Investing - Theory, News & General
Topic: Are there any special circumstances in which you'd sell or stop DCA-ing?
Replies: 25
Views: 2249

Re: Are there any special circumstances in which you'd sell or stop DCA-ing?

I would never DCA(dollar cost average)

If you mean periodically invest,yes when I had specific family obligations (I did get matching money). I will change my asset allocation when I get closer to my goal but not my contributions to my portfolio
by Johm221122
Thu Feb 29, 2024 2:09 pm
Forum: Personal Investments
Topic: S&P 500 Index versus other options
Replies: 7
Views: 976

Re: S&P 500 Index versus other options

I agree with your advisor friend, add small cap stocks. Use total stock market along with international and fixed income.
by Johm221122
Thu Feb 29, 2024 1:15 am
Forum: Investing - Theory, News & General
Topic: What good is tax deferred?
Replies: 122
Views: 15329

Re: What good is tax deferred?

Why did you wait so long to retire? You could have had taken advantage of many low tax years before Social Security.
The problem isn't the tax deferred savings, the problem is you worked to long.
by Johm221122
Wed Feb 28, 2024 3:38 pm
Forum: Investing - Theory, News & General
Topic: Do cap-weighted funds strictly align with BH philosophy?
Replies: 118
Views: 8903

Re: Do cap-weighted funds strictly align with BH philosophy?

I buy index funds to match the return of the index not because of Bogleheads Philosophy. My only goal is to match the return of the appropriate index I buy.

I hold Large cap US, Extended market US and international indexes.

I do hold small cap international in an active fund but that was because it was more easily available decades ago. I hate to change things because I have a terrible track record with changes
by Johm221122
Tue Feb 27, 2024 10:48 pm
Forum: Personal Investments
Topic: Balance funds - what are the good ones?
Replies: 18
Views: 3068

Re: Balance funds - what are the good ones?

Vanguard tax managed balanced fund would be tax efficient
by Johm221122
Mon Feb 26, 2024 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: What got you out of poverty?
Replies: 111
Views: 12862

Re: What got you out of poverty?

... you can do this too with libraries. And most books can be checked out. Many libraries are in larger city or county library systems where you can request a book from another branch and it will be waiting for you the next time you go in. It's almost like the book is requesting you! Amen. The public library is a great resource. I've been using the library since I was a kid, and I still do. I've read over 130 books about retirement, investing, behavioral finance, etc. I've mentioned this in some of my posts to other Bogleheads as well. Regards, The public library is why I'm here. I literally read every book about fiance in my local branch and learned how to use a computer. I found Morningstar forums and that led to Bogleheads forum. I was ...
by Johm221122
Mon Feb 26, 2024 11:28 am
Forum: Personal Investments
Topic: I am not seeing how bonds have mitigated losses during downturns
Replies: 27
Views: 4337

Re: I am not seeing how bonds have mitigated losses during downturns

thermo86 wrote: Mon Feb 26, 2024 11:21 am Why not hold fixed income such as VMFXX and not take any loss? In other words, holding your bonds allocation in a money market fund.
Cash is a terrible long term investment
viewtopic.php?t=411917
by Johm221122
Mon Feb 26, 2024 11:12 am
Forum: Personal Investments
Topic: 12% Bracket-Roth vs. Traditional
Replies: 35
Views: 4187

Re: 12% Bracket-Roth vs. Traditional

Thought I'd get a quick sense from the community as I'm thinking through my plan for this year: Absent a comprehensive financial evaluation, would you recommend a family prioritize Roth or Traditional retirement contributions when within the 12% marginal bracket (but not eligible for the savers credit or EITC)? Reasons for your feedback are also appreciated. Thank you! And what tax bracket would you think you'll be in retirement? I don't know future tax brackets or my career arc. So, it's hard to say. Based on our spending, I don't see any need to ever withdraw more than the current 12% bracket for living expenses. I'm median income and my thinking for my situation is I'll in best case senerio pay more taxes on some of my withdrawals in re...
by Johm221122
Mon Feb 26, 2024 10:44 am
Forum: Personal Investments
Topic: Importance of diversification with respect to market cap
Replies: 7
Views: 990

Re: Importance of diversification with respect to market cap

We don't know the future and there have been periods were large cap US stocks have underperformed. You have to make the decision based on your beliefs. I personally believe on having diversification from overwhelmingly holding large cap US stocks. That being said US large cap stocks (S&P 500) is my largest holding.
by Johm221122
Mon Feb 26, 2024 10:14 am
Forum: Personal Investments
Topic: 12% Bracket-Roth vs. Traditional
Replies: 35
Views: 4187

Re: 12% Bracket-Roth vs. Traditional

A Random Fellow wrote: Mon Feb 26, 2024 9:37 am Thought I'd get a quick sense from the community as I'm thinking through my plan for this year:

Absent a comprehensive financial evaluation, would you recommend a family prioritize Roth or Traditional retirement contributions when within the 12% marginal bracket (but not eligible for the savers credit or EITC)?

Reasons for your feedback are also appreciated. Thank you!
And what tax bracket would you think you'll be in retirement?
by Johm221122
Sun Feb 25, 2024 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tax consequenses of Creating a bridge to SS using Roth funds or traditional 401/Ira
Replies: 10
Views: 896

Re: Tax consequenses of Creating a bridge to SS using Roth funds or traditional 401/Ira

Rlwhiting wrote: Sun Feb 25, 2024 2:54 pm For Johm221: would it make sense to use that money for a 5 year annuity? My IRA is with schwab, can I buy an annuity through them? Exploring all options.
Yes a Term certain annuity could make sense. Without all your information I couldn't tell you

I'd get quotes from more than one source (Immediate Annuities or Stan the annuity Man are often recommended).
by Johm221122
Sun Feb 25, 2024 1:47 pm
Forum: Personal Investments
Topic: Accounting for fees when using the 4% rule
Replies: 19
Views: 2136

Re: Accounting for fees when using the 4% rule

jpdion wrote: Sun Feb 25, 2024 1:42 pm So, as we examine the 4% rule are we to ignore the total return on the investments relative to the 4% withdrawal taken?

yes, if you actually use this method for a withdrawal strategy
If your withdrawal rate is consistently less than the total return on your investments you should be able to maintain, or even slowly grow, your investments' value.


yes, but 4% is historically worse case scenario

Isn't that the reason we have investments in stocks - to hedge against inflation?

yes
(As a Boglehead I don't pay anyone to manage our funds, so I'm ignoring the 1% AUM and any excessive ER for actively managed funds.)
by Johm221122
Sun Feb 25, 2024 11:31 am
Forum: Personal Investments
Topic: Heavy Value Tilt Away from Mag 7 stocks
Replies: 221
Views: 13743

Re: Heavy Value Tilt Away from Mag 7 stocks

As much as I believe in NVDA, I don’t like to tie my retirement accounts and future well being to the future of one company. Take away NVDA returns and see how the S&P 500 has performed recently. I am not comfortable depending on NVDA over a lifetime to not crash and keep performing. If I had to overweight a single stock the rest of my life, it would not be NVDA. The stock market is big. Individual stocks are small. OK, let's see how the S&P 500 would have performed recently without n VIDIA (NVDA). NVDA is currently 3.07% of VOO, the Vanguard 500 Index ETF Source . As of a year ago, 1.73%. Over that year, VOO has returned 20.77%. That's enough to do the math. $10,000 worth of VOO a year ago would have contained $10,000 x 1.73% = $1...
by Johm221122
Sat Feb 24, 2024 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Do your intra-company yearly raises keep with inflation?
Replies: 60
Views: 6072

Re: Do your intra-company yearly raises keep with inflation?

In the last 23 years I'd say about 80% of the time my raises have beaten inflation. Of course inflation has not been that bad over most of that time
by Johm221122
Fri Feb 23, 2024 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do current interest rates change how you save?
Replies: 5
Views: 714

Re: Do current interest rates change how you save?

Intrest rates don't drive my investment decisions. My personal situation does.
If you have future planned expenses it could make sense to build up cash to make those purchases. But not for 10 years in my opinion.
by Johm221122
Fri Feb 23, 2024 1:46 pm
Forum: Personal Investments
Topic: Annuity Headache
Replies: 4
Views: 936

Re: Annuity Headache

If it's a multi year guaranteed annuity,it should pay exactly what it says
Annuity is broad category and using the specific type of annuity can help you get better information
by Johm221122
Wed Feb 21, 2024 12:03 pm
Forum: Personal Investments
Topic: Bond funds vs. Money Markets
Replies: 10
Views: 1678

Re: Bond funds vs. Money Markets

Long post and video about this
viewtopic.php?t=411917
by Johm221122
Wed Feb 21, 2024 11:43 am
Forum: Personal Investments
Topic: Was it a mistake to suggest allocating developing markets in roth ira?
Replies: 30
Views: 1924

Re: Was it a mistake to suggest allocating developing markets in roth ira?

I'm looking at the the last 15 years of returns comparing SCHE, SCHF, and SCHB and I'm wondering if the suggestion on the forum to have developing markets in Roth IRA was a good one? For context, the difference in returns is quite stark: https://imgur.com/a/Jnz6M7x. The premise was that we want to put the highest growth potential stocks in roth due to preferential tax treatment, but the last 15 years really showcase that was a bad bet. I'm wondering what do folks on the forum think and what people have been allocating to their Roth IRA? I have extended market index and small cap international stocks in my Roth. A bad bet? I'm not gambling and I made the best choice with the information I had at the time. Unfortunately investing involves ri...
by Johm221122
Tue Feb 20, 2024 12:46 pm
Forum: Personal Investments
Topic: Dividend heavy ETF's for a new investor
Replies: 16
Views: 1548

Re: Dividend heavy ETF's for a new investor

Welcome to forum,
https://www.bogleheads.org/wiki/Getting_started

Welcome to the Bogleheads' Getting started page. There is a lot of information available to help. Take your time and get organized
by Johm221122
Sat Feb 17, 2024 11:28 am
Forum: Personal Investments
Topic: the psychological value of "paycheck replacement." Any role for annuities or TIPS ladders?
Replies: 54
Views: 6399

Re: the psychological value of "paycheck replacement." Any role for annuities or TIPS ladders?

My wife and I plan to retire this summer. I'm struggling with the shift in mindset from living off earned income to living off accumulated savings. Like everyone, all our working lives our income has determined our spending (after carving out taxes and savings.) So I find it hard to get my head around a reduction in income post-retirement while still maintaining spending to support our lifestyle. Psychologically, I kind of like the idea of a "paycheck replacement" to cover our basic living expenses; something predictable and reliable and lasting. I can understand that. Which would imply annuities and maybe TIPS ladder. But I understand that may not be the best idea mathematically. I believe inflation would be the big threat there...
by Johm221122
Fri Feb 16, 2024 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- What’s in Your Retirement Plan?
Replies: 47
Views: 3628

Re: Social Security -- What’s in Your Retirement Plan?

Jack FFR1846 wrote: Fri Feb 16, 2024 1:33 pm When SS reduces payments, I'll just not care.
Not if?
by Johm221122
Fri Feb 16, 2024 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- What’s in Your Retirement Plan?
Replies: 47
Views: 3628

Re: Social Security -- What’s in Your Retirement Plan?

Want2RetireNow wrote: Fri Feb 16, 2024 1:20 pm

I am also interested in thoughts from the younger Bogleheads who may be affected more.

I assume nothing will happen to my benefits in my planning. I'm 54 and median income.

I do think that it's possible taxes could be more in future.
by Johm221122
Thu Feb 15, 2024 8:55 pm
Forum: Personal Investments
Topic: relying on interactive charts to make investment decisions
Replies: 12
Views: 1008

Re: relying on interactive charts to make investment decisions

My question is when will you not like high growth funds? After they had a long period of under performance?
It's easy to pick winners in hindsight, it's a little more difficult to pick winners in the future