Brat
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Looking back at the last year the best I can say is that retirement investments were stress tested.
The international mutual fund portion took a serious hit but I am not inclined to sell them because I think ultimately that is where the growth will occur.
Now comes the rest of the portfolio. I believe in having 5 years of withdrawals in cash = and as I look over what we have I think it is time to do something more than leave the 3 years worth not in I-bonds into CDs or the like.
My inclination is toward balanced funds for the remainder however there have been times in this market I wanted a total return bond fund and a total stock fund instead. However, now comes the issue for a couple at the 'minimum required distribution' stage of life: why not Wellesley?? While previous returns are not predictive of future returns it looks like it has a high probability of supporting us into senility - better even than an annuity. At the present time we have some DODBX, much more OAKBX. Nuf said about DODBX, OAKBX is the only real competitor to VWINX.
Comments folks...
The international mutual fund portion took a serious hit but I am not inclined to sell them because I think ultimately that is where the growth will occur.
Now comes the rest of the portfolio. I believe in having 5 years of withdrawals in cash = and as I look over what we have I think it is time to do something more than leave the 3 years worth not in I-bonds into CDs or the like.
My inclination is toward balanced funds for the remainder however there have been times in this market I wanted a total return bond fund and a total stock fund instead. However, now comes the issue for a couple at the 'minimum required distribution' stage of life: why not Wellesley?? While previous returns are not predictive of future returns it looks like it has a high probability of supporting us into senility - better even than an annuity. At the present time we have some DODBX, much more OAKBX. Nuf said about DODBX, OAKBX is the only real competitor to VWINX.
Comments folks...