Search found 9 matches

by sdcruiser2001
Mon Mar 31, 2014 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Retired one month, now what?
Replies: 25
Views: 6084

Re: Retired one month, now what?

... Notice I didn't say return. Sorry if I misled you. I said increase. I put the max into the my 401K every year, including the make up amount of about $5000.-5500K. My company matched with 6-7% for 7 out of 9 years there. It was only about 3-4% the last two years. I also funded a SEP IRA during t...
by sdcruiser2001
Sun Mar 30, 2014 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Retired one month, now what?
Replies: 25
Views: 6084

Re: Retired one month, now what?

The nature of stable value funds is such that they can only exist in 401k accounts, not on the open market. So if it's not in your 401k, don't bother looking elsewhere. But what you cannot do is look at the past performance of funds and assume that's somehow useful in choosing where to invest. You ...
by sdcruiser2001
Sat Mar 29, 2014 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: Retired one month, now what?
Replies: 25
Views: 6084

Re: Retired one month, now what?

The reason I ask is that many company 401k's like the one I have through my employer have stable value fund(s) which typically have a guaranteed minimum pay out based on their claims paying ability. For example my plan has two; CREFF-TIAA which currently has a 3% guaranteed minimum but has paid up ...
by sdcruiser2001
Sat Mar 29, 2014 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Retired one month, now what?
Replies: 25
Views: 6084

Re: Retired one month, now what?

Any stable value funds as previously asked? I know Schwab offers a few options in this regard. All my funds at Schwab are index funds from Vanguard (VTSMX, VFINK, FGENX, VEURX and VGTSX) with the exception of QQQ for NASDAQ coverage and all are very modest amounts of about $10K each now. The majori...
by sdcruiser2001
Sat Mar 29, 2014 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Retired one month, now what?
Replies: 25
Views: 6084

Re: Retired one month, now what?

sdcruiser2001, it is amazing how much companies can find out about you. Years ago, I listened to a presentation at a Rotary Club meeting where the presenter said that direct marketing companies only need to know your street address in order to know a lot about you. They may not know about YOU perso...
by sdcruiser2001
Fri Mar 28, 2014 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Retired one month, now what?
Replies: 25
Views: 6084

Re: Retired one month, now what?

Have you checked your 401k to see if Fidelity offers some sort of Stable Value fund? If they do, that would be one place to park a fair amount of the money currently earning very little. I think a second option is the one mentioned by Professor Emeritus, Wellesley. Putting some funds in Wellesley w...
by sdcruiser2001
Fri Mar 28, 2014 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Retired one month, now what?
Replies: 25
Views: 6084

Re: Retired one month, now what?

Those "other" comments are best left unanswered since they were not really trying to be helpful. I will say that I did manage to increase my account more than 5X from it's all time low of about $173K in about 12 years. As to the 500% return in 12 years, please tell us how you did it because you mor...
by sdcruiser2001
Fri Mar 28, 2014 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Retired one month, now what?
Replies: 25
Views: 6084

Re: Retired one month, now what?

Hi sdcruiser, Welcome! You raise several important points, and ones which we see here at bogleheads.org frequently. My first and most important advice is not to do anything hastily or rashly. I'd say to do two things soon: 1) Educate yourself. 2) While educating yourself there is no reason to accep...
by sdcruiser2001
Wed Mar 26, 2014 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Retired one month, now what?
Replies: 25
Views: 6084

Retired one month, now what?

My questions are below. I’ve been retired about one month and have planned this for a while. I know I need to get more my retirement accounts out of cash and I’m looking for advice on this. I have several people “willing” or wanting to manage my accounts in addition to all the offers coming in the m...