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i did it , first day retired
Old 07-31-2015, 03:46 AM   #1
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i did it , first day retired

as of last night i am now officially a retiree. i am unemployed for the first time.

now i get to stop waking up at 2:00 am and thinking about all the stresses of work and shift over to stressing about whether markets will have a deep long downturn right at my start.

you can't win ha ha ha
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Old 07-31-2015, 03:53 AM   #2
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Originally Posted by mathjak107 View Post
as of last night i am now officially a retiree. i am unemployed for the first time.

now i get to stop waking up at 2:00 am and thinking about all the stresses of work and shift over to stressing about whether markets will have a deep long downturn right at my start.

you can't win ha ha ha
congrats! Life 2.0 is beginning....only reason I'm up this early (4:50am) is to wait for coffee to brew, grab a cup and my fishing rod and go catch some white bass....
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Old 07-31-2015, 04:03 AM   #3
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thanks .
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Old 07-31-2015, 04:26 AM   #4
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GREAT you are going to love it
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Old 07-31-2015, 05:27 AM   #5
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Congrats. Just remember despite what it says on the forum, you really don't get paid by the post.
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Old 07-31-2015, 05:30 AM   #6
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Old 07-31-2015, 05:41 AM   #7
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Congrats...wohooo
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Old 07-31-2015, 05:44 AM   #8
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as of last night i am now officially a retiree. i am unemployed for the first time.
What about back in 2010?

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actually i retired 4 weeks ago...
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Old 07-31-2015, 05:44 AM   #9
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Old 07-31-2015, 05:50 AM   #10
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Congratulations! Just remember to enjoy every day of it, starting today. I just entered my 28th year of retirement and don't know where the time went. I just know it went quickly.
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Old 07-31-2015, 06:05 AM   #11
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Congrats Mathjak. You have been posting long enough that I just assumed you ERd long ago. Here is hoping that prep time will insure smooth sailing over the next 30 years.
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Old 07-31-2015, 06:17 AM   #12
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Congratulations and welcome to the more relaxed world of retirement.
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Old 07-31-2015, 06:20 AM   #13
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What about back in 2010?
i lost my job back then , that was not an intended retirement . the bad news was i was employed again by the weeks end and back to work , officially called it quits on my own terms yesterday .
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Old 07-31-2015, 06:33 AM   #14
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YAY
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BALLOONS & STREAMERS

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Old 07-31-2015, 06:39 AM   #15
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Congratulations!!
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Old 07-31-2015, 06:40 AM   #16
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Congratulations! Here is to Not Having A Schedule!!! Enjoy.
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Old 07-31-2015, 06:45 AM   #17
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Congrats!!! So which Fidelity Insights model are you using in retirement?
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Old 07-31-2015, 06:56 AM   #18
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funny you asked. none. changed last month .

the reason being that i was running two model portfolio's together .

the growth and income model was about 70% equity's , the capital preservation model about 30%.

the problem was it had to much over lap of the same bond funds and at this point i did not want so much in intermediate term bonds so i went to my own model i put together .

it uses a combo of actively managed funds and etf's and about a 50/50 mix.

the version as it stands now :

fidelity growth and income fund FDGRX - held this for many many years now .

fidelity blue chip growth FBGRX- had this for many years now

vanguard total market index vti

vanguard extended market index vxf etf

vanguard veu all world index etf

that is the equity side.

the bond side uses

vanguard admiral total bond fund (now only 10% of the portfolio)

fidelity floating rate high yield

vanguard bsv short term bond

vanguard vtip short term inflation proof bond etf
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Old 07-31-2015, 06:56 AM   #19
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Excellent! Welcome to the best job you never had.
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Old 07-31-2015, 07:01 AM   #20
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Quote:
Originally Posted by mathjak107 View Post
funny you asked. none. changed last month .

the reason being that i was running two model portfolio's together .

the growth and income model was about 70% equity's , the capital preservation model about 30%.

the problem was it had to much over lap of the same bond funds and at this point i did not want so much in intermediate term bonds so i went to my own model i put together .

it uses a combo of actively managed funds and etf's and about a 50/50 mix.

the version as it stands now :

fidelity growth and income fund FDGRX - held this for many many years now .

fidelity blue chip growth FBGRX- had this for many years now

vanguard total market index vti

vanguard extended market index vxf etf

vanguard veu all world index etf

that is the equity side.

the bond side uses

vanguard admiral total bond fund (now only 10% of the portfolio)

fidelity floating rate high yield

vanguard bsv short term bond

vanguard vtip short term inflation proof bond etf
That looks good, any reason you went with Vanguard Total Bond over Fidelity Total Bond, except for cost?
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