Search found 25 matches

by drhoda
Tue Aug 18, 2020 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Claiming Strategy - Best Calculator?
Replies: 28
Views: 2216

Re: Social Security Claiming Strategy - Best Calculator?

It seems like a major disadvantage to NOT drawing SS at 62 is the opportunity cost of spending your retirement savings sooner and leaving a smaller inheritance to your children. Not sure if any of these calculators consider this. My intention was for both my wife and I to draw as early as possible t...
by drhoda
Sat Apr 27, 2019 1:12 pm
Forum: Personal Investments
Topic: Early Retirement Fixed Annuity?
Replies: 9
Views: 775

Early Retirement Fixed Annuity?

58 y/o looking to retire in 2 years. According to my calculations my wife and I should have plenty of income coming in...particularly once we begin receiving Social Security and pensions in our mid 60's. Until then we will live on rental income and our retirement savings. I'm becoming ultra risk ave...
by drhoda
Thu Dec 06, 2018 8:19 pm
Forum: Personal Investments
Topic: 58 y/o nearing retirement - looking at economic/stock market indicators
Replies: 36
Views: 5711

Re: 58 y/o nearing retirement - looking at economic/stock market indicators

Stock market is high. CAPE ratios high. Unemployment is at 10 year low. Housing near a bubble. Recession on the horizon in a year or so. Most experts predicting much lower stock market returns over the next ten years. All of this was true 5 years ago too (Except unemployment being low, but that's a...
by drhoda
Wed Dec 05, 2018 10:55 pm
Forum: Personal Investments
Topic: 58 y/o nearing retirement - looking at economic/stock market indicators
Replies: 36
Views: 5711

Re: 58 y/o nearing retirement - looking at economic/stock market indicators

Stock market is high. CAPE ratios high. Unemployment is at 10 year low. Housing near a bubble. Recession on the horizon in a year or so. Most experts predicting much lower stock market returns over the next ten years. Seems like a lot of risk and very little reward to be in the stockmarket over the...
by drhoda
Tue Dec 04, 2018 9:35 pm
Forum: Personal Investments
Topic: 58 y/o nearing retirement - looking at economic/stock market indicators
Replies: 36
Views: 5711

Re: 58 y/o nearing retirement - looking at economic/stock market indicators

Not totally set by any means. 25/50/25 Stocks/CDs/Cash Equal amount in rental property, couple of small pensions kicking in later with social security. Rental income and may even reverse mortgage my home later if necessary. Good salary, Want to work for 2-3 more years. Perhaps a bit of consulting af...
by drhoda
Mon Dec 03, 2018 11:20 pm
Forum: Personal Investments
Topic: 58 y/o nearing retirement - looking at economic/stock market indicators
Replies: 36
Views: 5711

58 y/o nearing retirement - looking at economic/stock market indicators

Stock market is high. CAPE ratios high. Unemployment is at 10 year low. Housing near a bubble. Recession on the horizon in a year or so. Most experts predicting much lower stock market returns over the next ten years. Seems like a lot of risk and very little reward to be in the stockmarket over the ...
by drhoda
Tue Dec 26, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Is our Early Retirement Plan sound?
Replies: 9
Views: 1970

Re: Is our Early Retirement Plan sound?

I would definitely worry about the health insurance. The individual mandate was a key component of making the ACA work; now that it's been repealed, premiums are likely to increase substantially--and it's entirely possible the system will collapse. I think your plan looks okay, assuming everything ...
by drhoda
Tue Dec 26, 2017 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Is our Early Retirement Plan sound?
Replies: 9
Views: 1970

Re: Is our Early Retirement Plan sound?

Do you have any type of emergency fund? My retirement fund is my emergency fund, It is an emergency that I retire! ,,, :happy When will you put your primary home on the market and what will you do if it doesn't sell? Putting it on the market in the spring. I will not announce my retirement until it ...
by drhoda
Tue Dec 26, 2017 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Is our Early Retirement Plan sound?
Replies: 9
Views: 1970

Is our Early Retirement Plan sound?

I'm 56.5 years old and wanting to retire at end of 2018 at age 57.5. My annual living expenses during retirement will be about $70,000/yr (after I sell my primary home and pay off my second home), No other debt. Upon retirement my wife and I will have approximately $700,000 in IRAs and 401ks. $250,0...
by drhoda
Wed Dec 07, 2016 2:40 pm
Forum: Personal Investments
Topic: 55 y/o with 850k portfolio looking for balance
Replies: 6
Views: 1960

Re: 55 y/o with 850k portfolio looking for balance

Real estate is part of your net worth and it will produce income for retirement. But, in my opinion, real estate is not part of an investment portfolio for retirement because it is not liquid. Also, real estate is not bonds. It appears your retirement portfolio is about $500k and it is half stocks ...
by drhoda
Tue Dec 06, 2016 8:53 pm
Forum: Personal Investments
Topic: 55 y/o with 850k portfolio looking for balance
Replies: 6
Views: 1960

55 y/o with 850k portfolio looking for balance

250K in stocks (Vanguard IRA) 250K in cash (Vanguard IRA) 350K equity in rental property (3000/mo income) Have an additional 250K equity in my home, cars etc so I'm around 1.1 mil net worth. Currently saving $60,000 per year. Goal is to retire in 5 years Lord willing. I would really like to start pr...
by drhoda
Thu Oct 15, 2015 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: 50% pay increase to move from family, 5 years from retirment
Replies: 27
Views: 3224

50% pay increase to move from family, 5 years from retirment

I'm 54 years old and being recruited to move 3 hrs away to a beautiful, resort area making 50% more money. It is doing the same work I now do and enjoy very much. Just much more money and a much higher quality of life area. My 2 biggest concerns: 1) Moving away from my first grandchild who is due in...
by drhoda
Mon Oct 12, 2015 1:30 pm
Forum: Personal Investments
Topic: Best investment plan for young people?
Replies: 5
Views: 1100

Best investment plan for young people?

I have 4 children, all in their early 20's who are just starting in the workforce. Two just got married. As such, they have do not have much money to invest or much experience. Rather than recommend multiple funds and them trying to balance things, None of them make a lot of money yet and I wanted t...
by drhoda
Tue Apr 28, 2015 11:31 am
Forum: Personal Investments
Topic: 401k Open enrollment Portfolio?
Replies: 3
Views: 557

401k Open enrollment Portfolio?

53 y/o Looking to retire at 60 My employer just moved to a self-directed 401k. We have about 25 different funds to choose from now. Previously we only had one investment option that the company chose for us. I went online and was looking at the lowest expense ratios and such. Came up with the follow...
by drhoda
Wed Apr 08, 2015 10:27 am
Forum: Personal Investments
Topic: Money Market vs Stable Value Fund for Cash?
Replies: 7
Views: 1288

Re: Money Market vs Stable Value Fund for Cash?

I have 25% of my IRA which is probably only 5% of my total investments. My total portfolio is 20% U.S stocks, 40% Europe/Asia stocks, 5% bonds, 30% real estate (rental property), 5 % cash. I have most of my stock investments in Life Strategy, Target Retirement, Total Stock Market which I leave alone...
by drhoda
Tue Apr 07, 2015 4:45 pm
Forum: Personal Investments
Topic: Money Market vs Stable Value Fund for Cash?
Replies: 7
Views: 1288

Money Market vs Stable Value Fund for Cash?

I have about 25% cash in my IRA right now which I keep in a money market fund drawing a hefty .1% interest. I keep this as a hedge in case there is a market correction and I see some buying opportunities. Would it be better to keep this in a stable value fund and perhaps get another 1% return? What ...
by drhoda
Sun Mar 15, 2015 7:00 pm
Forum: Personal Investments
Topic: Best/safest investment for 5% yield?
Replies: 13
Views: 3535

Re: Best/safest investment for 5% yield?

I guess I'm wondering what is the safest investment to get a consistent 5% return with little or no downside risk? As others have suggested, there really isn't any such investment. Traditionally, the safest investment, from the point of view of default, is considered to be US Treasuries. The highes...
by drhoda
Sat Mar 14, 2015 9:46 pm
Forum: Personal Investments
Topic: Best/safest investment for 5% yield?
Replies: 13
Views: 3535

Best/safest investment for 5% yield?

Could someone briefly explain these investments to me (see below link). For example a 20 year investment grade corporate security has a 6.51% yield. Does this mean I have to keep the money invested for 20 years to get that return or pay a penalty? If so what is the penalty? I guess I'm wondering wha...
by drhoda
Sat Feb 14, 2015 11:37 am
Forum: Personal Investments
Topic: Tax-managed strategy for my mother-in-law's account?
Replies: 7
Views: 878

Re: Tax-managed strategy for my mother-in-law's account?

I understand that if she rolled it into a ROTH but did not have it in their for 5 years then we would be responsible for the taxes (at our tax rate). This is why I had her go ahead and take the distribution and pay the taxes now. In essence it will be like a ROTH as inheritances of this size are not...
by drhoda
Sat Feb 14, 2015 8:26 am
Forum: Personal Investments
Topic: Tax-managed strategy for my mother-in-law's account?
Replies: 7
Views: 878

Tax-managed strategy for my mother-in-law's account?

My mother-in-law moved in with us 2 years ago as her health was failing. During this time we discovered she had her entire IRA account invested in local bank cd's drawing less than .2% and she owned a bunch of gold coins she bought over the phone 5 years ago at an inflated price from an unscrupulous...
by drhoda
Sat Feb 14, 2015 7:25 am
Forum: Personal Investments
Topic: Question about costs of adjusting portfolio
Replies: 7
Views: 892

Re: Question about costs of adjusting portfolio

Thanks for all of the knowledgeable input. I'm learning a lot on this site!
by drhoda
Thu Feb 12, 2015 7:43 pm
Forum: Personal Investments
Topic: Question about costs of adjusting portfolio
Replies: 7
Views: 892

Re: Question about costs of adjusting portfolio

Thanks for input. These funds are all in mine and my wife's Vanguard IRA accounts. Sounds like there is really no extra costs in switching funds. I'm considering switching to just the Total Stock, Total Bond and Total International funds and then just rebalancing as I get older. Seems like ETFs have...
by drhoda
Wed Feb 11, 2015 9:17 pm
Forum: Personal Investments
Topic: Question about costs of adjusting portfolio
Replies: 7
Views: 892

Question about costs of adjusting portfolio

I just bought into a mutual last month with an expense ratio of .17 and I want to now sell it and buy into a fund with a .12 ratio. If the .17 is the annual cost does this mean I only will be charged 1/12th of .17% for that month? Are there any other costs or fees involved from selling and buying? T...
by drhoda
Wed Feb 11, 2015 4:41 pm
Forum: Personal Investments
Topic: Bonds vs Money Market
Replies: 4
Views: 883

Re: Bonds vs Money Market

All my funds are in 401 ks and IRAs so I thought CD's were not available for these accounts? As to long-term holds of a bond fund...these are good investments even with interest rate increases? I've never really understood how to invest in bonds which is why I have avoided them. I had a little money...
by drhoda
Wed Feb 11, 2015 8:26 am
Forum: Personal Investments
Topic: Bonds vs Money Market
Replies: 4
Views: 883

Bonds vs Money Market

40 y/o currently have my retirement funds 90% stock funds and 10% money market. I have avoided bond funds in the last few years due to such low returns and the inevitable increase in interest rates. I was thinking now of reducing my stock market exposure and increasing my cash/money market position ...