"Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

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Topic Author
DFWBogleheads
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Joined: Tue Jun 15, 2021 3:10 pm

"Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by DFWBogleheads »

"Pre-Retirement/Early Retirement" Life Stage Chapter Master Thread

Hello all Bogleheads!

This is the master thread for the "Pre-Retirement/Early Retirement" stage of the new Bogleheads Life Stage Series.

The new Life Stage Chapters are geared towards personal finance issues and topics particularly relevant to a specific stage in our investing life, and are designed to complement the already existing geographic-based Bogleheads Chapters.

The "Pre-Retirement/Early Retirement" Life Stage mission: To provide for education and discussion on topics pertaining to financial and other issues during the approximately 10 year period before retirement, or the early years of retirement.

Topics will include -

• Housing Related Choices
Downsizing considerations
Location considerations
Handicap accessibility

• Healthcare
Health care options if retire <65
Medicare options/deadlines

• Insurance
Umbrella policy
Long term care policy

• Work-Related choices
Benefit choices upon retirement
Rolling 401(k) to IRA, Pension annuity vs lump sum
Optional timing for leaving job, unplanned/forced retirement

• Investing
Asset location (buckets)
Bond tents, bond/CD ladders

• Children & college planning
Assisting adult children
Paying for children’s college

• Income/Cash Flow/Retirement planning
Decide when to take SS/how much will you get
The “Retirement Red Zone”
Withdrawal strategies

• Estate Planning
Estate planning documents
Review beneficiaries/TODs
Estate discussions with children, document financial information

• Tax Planning
Roth conversions
Taxation of RMDs/social security/larger income years (IRMAA, NIIT etc)
Charitable giving (QCD, donor advised fund, donating appreciated assets)

• Non-financial/Other
Filling your time after retirement (hobbies, volunteering etc.)
Maintaining social network

Our meetings will be posted on this Master Thread. They will also be posted on the Bogleheads Blog Calendar of Events, the Bogleheads Life Stage Chapters thread.

All Bogleheads are invited to all the meetings - we hope you will join us!

The initial Coordinators for the Pre-Retirement/Early Retirement Life Stage Chapter are hoosierjim and DFWBogleheads. We'd like to add two more Coordinators, to assist with Chapter development and programming. If interested, please PM either of us, or inquire during a meeting.

The Life Stage Virtual Chapters are intended to complement the geographic-based BH Local Chapters and BH Speaker Series. Down the road, we'll schedule guest presenters for deeper dives into specific sub-topics, and will also be linking to relevant resources in the BH Wiki. Please Subscribe to (or Bookmark) this thread for future updates.
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Miriam2
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by Miriam2 »

DFWBogleheads wrote: "Pre-Retirement/Early Retirement" Life Stage Chapter Master Thread

Hello all Bogleheads!

This is the master thread for the "Pre-Retirement/Early Retirement" stage of the new Bogleheads Life Stage Series.

The new Life Stage Chapters are geared towards personal finance issues and topics particularly relevant to a specific stage in our investing life, and are designed to complement the already existing geographic-based Bogleheads Chapters.

The "Pre-Retirement/Early Retirement" Life Stage mission: To provide for education and discussion on topics pertaining to financial and other issues during the approximately 10 year period before retirement, or the early years of retirement.

Topics will include -

• Housing Related Choices
Downsizing considerations
Location considerations
Handicap accessibility

• Healthcare
Health care options if retire <65
Medicare options/deadlines

• Insurance
Umbrella policy
Long term care policy

• Work-Related choices
Benefit choices upon retirement
Rolling 401(k) to IRA, Pension annuity vs lump sum
Optional timing for leaving job, unplanned/forced retirement

• Investing
Asset location (buckets)
Bond tents, bond/CD ladders

• Children & college planning
Assisting adult children
Paying for children’s college

• Income/Cash Flow/Retirement planning
Decide when to take SS/how much will you get
The “Retirement Red Zone”
Withdrawal strategies

• Estate Planning
Estate planning documents
Review beneficiaries/TODs
Estate discussions with children, document financial information

• Tax Planning
Roth conversions
Taxation of RMDs/social security/larger income years (IRMAA, NIIT etc)
Charitable giving (QCD, donor advised fund, donating appreciated assets)

• Non-financial/Other
Filling your time after retirement (hobbies, volunteering etc.)
Maintaining social network

Our meetings will be posted on this Master Thread. They will also be posted on the Bogleheads Blog Calendar of Events, the Bogleheads Life Stage Chapters thread.

All Bogleheads are invited to all the meetings - we hope you will join us!

The initial Coordinators for the Pre-Retirement/Early Retirement Life Stage Chapter are hoosierjim and DFWBogleheads. We'd like to add two more Coordinators, to assist with Chapter development and programming. If interested, please PM either of us, or inquire during a meeting.

The Life Stage Virtual Chapters are intended to complement the geographic-based BH Local Chapters and BH Speaker Series. Down the road, we'll schedule guest presenters for deeper dives into specific sub-topics, and will also be linking to relevant resources in the BH Wiki. Please Subscribe to (or Bookmark) this thread for future updates.
Sounds like a wonderful - and very helpful - part of the Bogleheads Life Stage Local Chapter series :D
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DFWBogleheads
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by DFWBogleheads »

Our first "Pre-Retirement/Early Retirement" Life Stage meeting will be Wednesday, June 30, 2021, on Zoom, starting 8 PM (Eastern).

Our Initial virtual meeting will be a "get to know each other" discussion ... with open Q&A to follow, addressing whatever else is on participants minds. Suggestions for topics to be discussed at the meeting, as well as future topics/speakers, are welcome and can be submitted with the RSVP below, or typed into the chat window during the meeting. The meeting will not be recorded.

You can RSVP for the meeting (and submit questions or suggested discussion topics and topics/speakers for future meetings) here...

https://docs.google.com/forms/d/e/1FAIp ... sp=sf_link

All responses are anonymous. The Zoom link will be posted in the BH Calendar of Events one week prior to the meeting.

The "Pre-Retirement/Early Retirement" Life Stage Chapter Coordinators...
hoosierjim and DFWBogleheads.
gailcox
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by gailcox »

Looks like a very exciting chapter! Pre-retirement/early retirement is something I'm striving for! I'll be tuning in for sure.

Gail
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DFWBogleheads
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by DFWBogleheads »

Thanks, Gail!

The meeting is in 5 days, on Wednesday, June 30.

The information, including the RSVP/survey link, is just above.

DFWBogleheads
HoosierJim
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by HoosierJim »

Looking forward to the meeting on Wednesday, June 30, 2021, on Zoom, starting 8 PM (Eastern).

All Bogleheads (and lurkers) are invited to all the meetings - we hope you will join us!

Zoom link is in the Calendar Of Events
Wannaretireearly
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by Wannaretireearly »

Thanks OP!
Death and taxes. Only one is under your control!
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luminous
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by luminous »

How do these meetings handle the desire of participants to stay anonymous? I assume if I’m interested in remaining anonymous I should skip this kind of meeting.
55/15/30 US stock/international stock/bonds. Hope to semi-retire in 2022.
quantAndHold
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by quantAndHold »

luminous wrote: Sat Jun 26, 2021 4:48 pm How do these meetings handle the desire of participants to stay anonymous? I assume if I’m interested in remaining anonymous I should skip this kind of meeting.
Leave your video turned off, and make sure your name in Zoom is set to your Bogleheads username, not your real name. Or you could use a cat filter.
Yes, I’m really that pedantic.
HoosierJim
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by HoosierJim »

quantAndHold wrote: Sat Jun 26, 2021 4:55 pm
luminous wrote: Sat Jun 26, 2021 4:48 pm How do these meetings handle the desire of participants to stay anonymous? I assume if I’m interested in remaining anonymous I should skip this kind of meeting.
... make sure your name in Zoom is set to your Bogleheads username, not your real name.
YOU DO NOT HAVE TO HAVE AN ACCOUNT TO PARTICIPATE IN LOCAL MEETINGS OR ANY OF THE LIFE STAGE MEETINGS. Some chapter leaders have even met people for years at the in-person meeting and do not know their real name nor their Boglehead name (if they even have one)

You don't have to use your Bogleheads name nor your real name for Zoom as many participants never sign up for a Bogleheads account but participate in the virtual meetings. If you use zoom a lot for other things you may have your profile set to your real name, you can change this - here's how.

You can blur your background too if you want

It's best to make sure your zoom client is current. https://zoom.us/download
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Miriam2
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by Miriam2 »

The Pre-Retirement/Early Retirement Life Stage chapter organizers have prepared a nice meeting for - Wed. 6/30/2021 :happy

8:00 pm Eastern
7:00 pm Central
6:00 pm Mountain
5:00 pm Pacific

NOTE - The Zoom link is posted on the BH Blog Calendar of Events
If for some reason you can't find the link, please PM me or HoosierJim or DFWBogleheads here on the forum, or email me at SFLBogleheads@gmail.com

If you don't have time to pre-register, that's ok 8-)
sailaway
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by sailaway »

I can't attend because we are test driving early retirement with an extra long vacation and on Wednesday evening I will be in an RV in the blue ridge mountains. This sounds like a good group as we transition over the next year, though, so I will try to keep my eyes out for the next meeting.
HoosierJim
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by HoosierJim »

sailaway wrote: Mon Jun 28, 2021 6:27 pm I can't attend because we are test driving early retirement ... in an RV in the blue ridge mountains.
If you are unavailable via computer or phone app, you can always dial in to the zoom meeting just to listen in. The phone numbers for the meeting are in the June 30th event in the Calendar Of Events.
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bampf
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by bampf »

DFWBogleheads wrote: Thu Jun 17, 2021 1:52 pm "Pre-Retirement/Early Retirement" Life Stage Chapter Master Thread

Hello all Bogleheads!

This is the master thread for the "Pre-Retirement/Early Retirement" stage of the new Bogleheads Life Stage Series.

The new Life Stage Chapters are geared towards personal finance issues and topics particularly relevant to a specific stage in our investing life, and are designed to complement the already existing geographic-based Bogleheads Chapters.

The "Pre-Retirement/Early Retirement" Life Stage mission: To provide for education and discussion on topics pertaining to financial and other issues during the approximately 10 year period before retirement, or the early years of retirement.

Topics will include -

• Housing Related Choices
Downsizing considerations
Location considerations
Handicap accessibility

• Healthcare
Health care options if retire <65
Medicare options/deadlines

• Insurance
Umbrella policy
Long term care policy

• Work-Related choices
Benefit choices upon retirement
Rolling 401(k) to IRA, Pension annuity vs lump sum
Optional timing for leaving job, unplanned/forced retirement

• Investing
Asset location (buckets)
Bond tents, bond/CD ladders

• Children & college planning
Assisting adult children
Paying for children’s college

• Income/Cash Flow/Retirement planning
Decide when to take SS/how much will you get
The “Retirement Red Zone”
Withdrawal strategies

• Estate Planning
Estate planning documents
Review beneficiaries/TODs
Estate discussions with children, document financial information

• Tax Planning
Roth conversions
Taxation of RMDs/social security/larger income years (IRMAA, NIIT etc)
Charitable giving (QCD, donor advised fund, donating appreciated assets)

• Non-financial/Other
Filling your time after retirement (hobbies, volunteering etc.)
Maintaining social network

Our meetings will be posted on this Master Thread. They will also be posted on the Bogleheads Blog Calendar of Events, the Bogleheads Life Stage Chapters thread.

All Bogleheads are invited to all the meetings - we hope you will join us!

The initial Coordinators for the Pre-Retirement/Early Retirement Life Stage Chapter are hoosierjim and DFWBogleheads. We'd like to add two more Coordinators, to assist with Chapter development and programming. If interested, please PM either of us, or inquire during a meeting.

The Life Stage Virtual Chapters are intended to complement the geographic-based BH Local Chapters and BH Speaker Series. Down the road, we'll schedule guest presenters for deeper dives into specific sub-topics, and will also be linking to relevant resources in the BH Wiki. Please Subscribe to (or Bookmark) this thread for future updates.
Bumping for viz. These are excellent!
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by LadyGeek »

^^^ Here's the info.
Miriam2 wrote: Mon Jun 28, 2021 5:07 pm The Pre-Retirement/Early Retirement Life Stage chapter organizers have prepared a nice meeting for - Wed. 6/30/2021 :happy

8:00 pm Eastern
7:00 pm Central
6:00 pm Mountain
5:00 pm Pacific

NOTE - The Zoom link is posted on the BH Blog Calendar of Events
If for some reason you can't find the link, please PM me or HoosierJim or DFWBogleheads here on the forum, or email me at SFLBogleheads@gmail.com

If you don't have time to pre-register, that's ok 8-)
Wiki To some, the glass is half full. To others, the glass is half empty. To an engineer, it's twice the size it needs to be.
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DFWBogleheads
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by DFWBogleheads »

Don't forget, the meeting is tonight. Hope to see you there!

8:00 pm Eastern
7:00 pm Central
6:00 pm Mountain
5:00 pm Pacific

NOTE - The Zoom link is posted on the Bogleheads Calendar of Events, which can be found here:

https://www.bogleheads.org/blog/calendar-of-events/
Tattarrattat
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by Tattarrattat »

That was excellent. What a nice bunch of smart and helpful people. Great idea and thanks to the organizers.
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Miriam2
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by Miriam2 »

I agree! Thank you DFW Bogleheads for the very warm and well-organized meeting. Many interesting discussions :happy
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DFWBogleheads
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by DFWBogleheads »

The second "Pre-Retirement/Early Retirement" Life Stage meeting will be Thursday, July 29, 2021, on Zoom, starting 7 PM (Central).

5 pm Pacific
6 pm Mountain
7 pm Central
8 pm Eastern

This meeting will be a presentation on tax planning by Sean Mullaney. Sean Mullaney is a financial planner, CPA, and the President of Mullaney Financial & Tax, Inc. His blog is www.fitaxguy.com. The presentation will be followed by a Q&A session.

Suggestions for questions to be addressed during the Q&A are welcome and can be submitted with the RSVP below, or typed into the chat window during the meeting.

The presentation portion of the meeting will be recorded. The Q&A following the presentation will not be recorded.

You can RSVP for the meeting and submit questions here...

https://docs.google.com/forms/d/e/1FAIp ... sp=sf_link

All responses are anonymous.

The Zoom link will be posted in the BH Calendar of Events one week prior to the meeting.

The "Pre-Retirement/Early Retirement" Life Stage Chapter Coordinators...
hoosierjim and DFWBogleheads
Topic Author
DFWBogleheads
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by DFWBogleheads »

If you haven't already, don't forget to RSVP to the Pre-Retirement/Early Retirement Life Stage Chapter's meeting next week on Thursday, July 29. The Zoom link is in the Calendar of Events on the Bogleheads main page.

The guest speaker will be Sean Mullaney, who is a financial planner, CPA, and the President of Mullaney Financial & Tax, Inc. His blog is www.fitaxguy.com. The presentation will be followed by a Q&A session.

It will be a great presentation and Q&A session! Sean will be covering many of the tax topics of interest to the Pre-Retirement group, including Roth Conversions.

You can RSVP and submit questions here:

https://docs.google.com/forms/d/e/1FAIp ... sp=sf_link

DFWBogleheads
WyomingFIRE
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by WyomingFIRE »

Thank you for this

I am uncertain how to subscribe to this thread, so am posting this response in the hope that outcome somehow happens via magic or technology
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by cockersx3 »

WyomingFIRE wrote: Sat Jul 24, 2021 4:28 pm Thank you for this

I am uncertain how to subscribe to this thread, so am posting this response in the hope that outcome somehow happens via magic or technology
No worries - it's easy to subscribe to a topic. When you are logged in, you should see a wrench icon to the right of the "post reply" button on the top or bottom of the page. Click that "wrench" icon, and select the "subscribe" option at the next menu that pops up - it should be at the very top of the list of options.

Once you do that, you'll be "subscribed" and will get notifications whenever new posts to the topic get made.

Good luck!
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by WyomingFIRE »

Thank you very much!
HoosierJim
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by HoosierJim »

Just a reminder....


Pre-Retirement/Early Retirement Life Stage Chapter's meeting this week on Thursday, July 29. The Zoom link is in the Calendar of Events on the Bogleheads main page.

The guest speaker will be Sean Mullaney, who is a financial planner, CPA, and the President of Mullaney Financial & Tax, Inc. His blog is www.fitaxguy.com. The presentation will be followed by a Q&A session.
HoosierJim
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by HoosierJim »

Just a another reminder.... MEETING IS TONIGHT - THURSDAY JULY 27 7 PM CENTRAL TIME.

Zoom link is in the calendar of events here.

The presentation portion of this event will be recorded and will be available in a few days in case you can't make it. The recording will be on the virtual online chapter presentations


Pre-Retirement/Early Retirement Life Stage Chapter's meeting this week on Thursday, July 29. The Zoom link is in the Calendar of Events on the Bogleheads main page.

The guest speaker will be Sean Mullaney, who is a financial planner, CPA, and the President of Mullaney Financial & Tax, Inc. His blog is www.fitaxguy.com. The presentation will be followed by a Q&A session.

5 pm pacific
6 pm mountain
7 pm central
8 pm east

For best results, make sure you have the latest zoom version installed.

Image
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Miriam2
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by Miriam2 »

DFWBogleheads wrote: The second "Pre-Retirement/Early Retirement" Life Stage meeting will be Thursday, July 29, 2021, on Zoom, starting 7 PM (Central). . . . This meeting will be a presentation on tax planning by Sean Mullaney. Sean Mullaney is a financial planner, CPA, and the President of Mullaney Financial & Tax, Inc. His blog is www.fitaxguy.com. The presentation will be followed by a Q&A session. . . .
Very informative meeting for 99 participants! Thanks to Sean for coming and to the DFWBogleheads and the Pre-Retirement Life Stage Chapter for hosting!
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by Wannaretireearly »

Sorry I missed this. Any chance it is recorded?
Death and taxes. Only one is under your control!
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by LadyGeek »

Yes, it was recorded. Give us a few days to process.

The slides and chat are now in the blog: Virtual online chapter presentations

All personally identifiable information (usernames and real names) was removed from the chat.

I'll add the video as soon as it's available.
Wiki To some, the glass is half full. To others, the glass is half empty. To an engineer, it's twice the size it needs to be.
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by Wannaretireearly »

LadyGeek wrote: Fri Jul 30, 2021 7:07 pm Yes, it was recorded. Give us a few days to process.

The slides and chat are now in the blog: Virtual online chapter presentations

All personally identifiable information (usernames and real names) was removed from the chat.

I'll add the video as soon as it's available.
Excellent. Thank you LadyGeek!
Death and taxes. Only one is under your control!
Mr.BB
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by Mr.BB »

Wannaretireearly wrote: Fri Jul 30, 2021 7:13 pm
LadyGeek wrote: Fri Jul 30, 2021 7:07 pm Yes, it was recorded. Give us a few days to process.

The slides and chat are now in the blog: Virtual online chapter presentations

All personally identifiable information (usernames and real names) was removed from the chat.

I'll add the video as soon as it's available.
Excellent. Thank you LadyGeek!
Thank you!
"We are what we repeatedly do. Excellence, then, is not an act, but a habit."
heyyou
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by heyyou »

No longer my cohort, but in Early Retirement (age 55) I did follow the advice to do the annual Roth IRA conversions from my big-to-me tIRA/401k rollover. Now at 71, my RMDs will be only five digits and the tIRA is small enough for my low growth bond funds, while the Roth IRA with its stock funds has grown large, relative to my employed income. Thank you Bogleheads, especially Celia, for the good advice.
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by DFWBogleheads »

The "Pre-Retirement/Early Retirement" Life Stage chapter will be hosting a meeting on Wednesday, August 25, 2021, on Zoom, starting 7 PM (Central).

5 pm Pacific
6 pm Mountain
7 pm Central
8 pm Eastern

This meeting will be a presentation on retirement planning by Christine Benz, Morningstar's Director of Personal Finance.

Even the best-laid retirement plans can harbor hidden risks, including longevity risk, sequence-of-return risk, and underspending. Morningstar's Christine Benz will outline how to safeguard your portfolio and your plan against these risk factors. She will also share her favorite in-retirement mutual funds and exchange-traded funds (ETFs), and discuss her model bucket portfolios geared toward retirees.

Suggestions for questions to be addressed during the Q&A are welcome and can be submitted with the RSVP below, or typed into the chat window during the meeting.

The presentation portion of the meeting will be recorded. The Q&A following the presentation will not be recorded.

You can RSVP for the meeting and submit questions here...

https://docs.google.com/forms/d/e/1FAIp ... sp=sf_link

All responses are anonymous.

The Zoom link will be posted in the BH Calendar of Events one week prior to the meeting.

The "Pre-Retirement/Early Retirement" Life Stage Chapter Coordinators...
hoosierjim and DFWBogleheads
Tattarrattat
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by Tattarrattat »

Hi. Suggestion/Question.

The "Pre Retirement/Early Retirement" label is ungainly because of the awkward and unnecessary repetition of the word "retirement."

Could it be cleaned up a bit by calling it the "Pre and Early Retirement" or the "Pre/Early Retirement" Life Stage Chapter? Reads clearer that way I think.

I know it's not particularly important but thought I would put it out there. Thanks.
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DFWBogleheads
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by DFWBogleheads »

Don't forget to RSVP to our next meeting on Wednesday, August 25, 2021, on Zoom, starting 7 PM (Central).

You won't want to miss our guest speaker, Christine Benz, Morningstar's Director of Personal Finance. She will be presenting the "Six Retirement Blind Spots and How to Fix Them".

Even the best-laid retirement plans can harbor hidden risks, including longevity risk, sequence-of-return risk, and underspending. Morningstar's Christine Benz will outline how to safeguard your portfolio and your plan against these risk factors. She will also share her favorite in-retirement mutual funds and exchange-traded funds (ETFs), and discuss her model bucket portfolios geared toward retirees.

After the presentation, Christine will be taking questions that were submitted on the RSVP form and also during the zoom in the chat window. Don't miss your chance to get your retirement planning questions answered by Christine Benz!

5 pm Pacific
6 pm Mountain
7 pm Central
8 pm Eastern

The presentation portion of the meeting will be recorded. The Q&A following the presentation will not be recorded.

You can RSVP for the meeting and submit questions here...

https://docs.google.com/forms/d/e/1FAIp ... sp=sf_link

All responses are anonymous.

The Zoom link is here:

https://us06web.zoom.us/j/97022207368?p ... lBd1o0UT09

The "Pre-Retirement/Early Retirement" Life Stage Chapter Coordinators...
hoosierjim, DFWBogleheads, Kori, and YDK
HoosierJim
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by HoosierJim »

Looking forward to the Christine Benz, Morningstar's Director of Personal Finance presentation on the "Six Retirement Blind Spots and How to Fix Them".

5 pm Pacific
6 pm Mountain
7 pm Central
8 pm Eastern

Zoom link
HoosierJim
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

Post by HoosierJim »

Looking forward to the Christine Benz, Morningstar's Director of Personal Finance presentation on the "Six Retirement Blind Spots and How to Fix Them".

5 pm Pacific
6 pm Mountain
7 pm Central
8 pm Eastern

Zoom link

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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

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Slides and the meeting chat from last night's meeting are now posted in the blog. See: Virtual online chapter presentations

All personally identifiable information has been removed from the chat.

The YouTube channel will be updated when the video is ready.

Fixed: Mentioned last night, there was a problem viewing the chat files on a mobile device. The chat files were in a Microsoft Word file format, so perhaps there's a compatibility issue. I changed all of the chat files to PDF format, which is guaranteed to work everywhere (two files).

The chat file links were changed on the blog and where they appeared in the YouTube show notes (description).
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

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Just a quick thank you to everyone who made the presentation possible! Well done and very informative.

The one area that really surprised me was Christine being unfamiliar with VPW or TPAW approaches for Retirement decumulation. Especially so since she is in an active research project on Retirement Decumulation strategies.

Did this puzzle anyone else?

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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

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WoodSpinner wrote: Fri Aug 27, 2021 9:32 am Just a quick thank you to everyone who made the presentation possible! Well done and very informative.

The one area that really surprised me was Christine being unfamiliar with VPW or TPAW approaches for Retirement decumulation. Especially so since she is in an active research project on Retirement Decumulation strategies.

Did this puzzle anyone else?

WoodSpinner
No, that didn't surprise me, probably because I had never heard of them either (not that I'm an expert). I will have to look into that.

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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

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WoodSpinner wrote: Fri Aug 27, 2021 9:32 am The one area that really surprised me was Christine being unfamiliar with VPW or TPAW approaches for Retirement decumulation. Especially so since she is in an active research project on Retirement Decumulation strategies.
That's because the terminology is used by Bogleheads forum members. The concept has been around for a while, but not the terminology. It's gotten traction in the finance industry, but is not generally known. The method, yes. "VPW" as an acronym, no.

See: Variable percentage withdrawal, which was developed by longinvest. Actually, he's Canadian and started at our sister Canadian site. He then brought the concept here. See: Variable percentage withdrawal - finiki, the Canadian financial wiki

The support thread: Variable Percentage Withdrawal (VPW)

Also see: Amortization based withdrawal

The support thread: Amortization Based Withdrawal (ABW)
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

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LadyGeek wrote: Fri Aug 27, 2021 10:23 am
WoodSpinner wrote: Fri Aug 27, 2021 9:32 am The one area that really surprised me was Christine being unfamiliar with VPW or TPAW approaches for Retirement decumulation. Especially so since she is in an active research project on Retirement Decumulation strategies.
That's because the terminology is used by Bogleheads forum members. The concept has been around for a while, but not the terminology. It's gotten traction in the finance industry, but is not generally known. The method, yes. "VPW" as an acronym, no.

See: Variable percentage withdrawal, which was developed by longinvest. Actually, he's Canadian and started at our sister Canadian site. He then brought the concept here. See: Variable percentage withdrawal - finiki, the Canadian financial wiki

The support thread: Variable Percentage Withdrawal (VPW)

Also see: Amortization based withdrawal

The support thread: Amortization Based Withdrawal (ABW)
This might be a reasonable explanation. Guess I am a bit frustrated to not see much analysis outside of BH on this approach. I was hoping Morningstar would have taken a good look at an Amortization based approach as part of their research project.

Does Christine have a BH user? Perhaps I could query her directly on her thinking?

WoodSpinner
Last edited by WoodSpinner on Fri Aug 27, 2021 12:03 pm, edited 1 time in total.
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

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Yes, Christine Benz is a forum member. You can try sending her a Private Message.
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Re: "Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"

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WoodSpinner wrote: Fri Aug 27, 2021 11:56 am
LadyGeek wrote: Fri Aug 27, 2021 10:23 am
WoodSpinner wrote: Fri Aug 27, 2021 9:32 am The one area that really surprised me was Christine being unfamiliar with VPW or TPAW approaches for Retirement decumulation. Especially so since she is in an active research project on Retirement Decumulation strategies.
That's because the terminology is used by Bogleheads forum members. The concept has been around for a while, but not the terminology. It's gotten traction in the finance industry, but is not generally known. The method, yes. "VPW" as an acronym, no.

See: Variable percentage withdrawal, which was developed by longinvest. Actually, he's Canadian and started at our sister Canadian site. He then brought the concept here. See: Variable percentage withdrawal - finiki, the Canadian financial wiki

The support thread: Variable Percentage Withdrawal (VPW)

Also see: Amortization based withdrawal

The support thread: Amortization Based Withdrawal (ABW)
This might be a reasonable explanation. Guess I am a bit frustrated to not see much analysis outside of BH on this approach. I was hoping Morningstar would have taken a good look at an Amortization based approach as part of their research project.

Does Christine have a BH user? Perhaps I could query her directly on her thinking?

WoodSpinner
I just watched Christine Benz's video. I too was surprised and dismayed at her lack of awareness of the VPW and ABW methods.

She mentioned her passion for Bogleheads and considers herself an expert in retirement portfolio withdrawals... is a part of a team at Morningstar researching retirement financial planning strategies. Yet, she had never heard of VPW or ABW methods.

I hope this doesn't sound too harsh since the intent is not to criticize her personally; however, it makes me question her curiosity, research, and (therefore) expertise regarding portfolio withdrawal strategies.
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