Join Early Retirement Today
Thread Tools Search this Thread Display Modes
VG mix suggestions for ER cash
Old 04-17-2010, 01:42 PM   #1
Dryer sheet wannabe
Join Date: Jan 2010
Location: Seattle
Posts: 21
VG mix suggestions for ER cash

I've decided to make the ER jump in a couple of months, at about 59. I have about 8 years of living expenses in post-tax cash to hold me over until I start tapping pre-tax and other assets.

I'm looking for some recommendations on a VG fund mix to allow me to make steady withdrawals, earn a little return and still allow for an emergency. Tax-free still looks good as my wife will continue working for 3 or 4 more years. Our joint income will likely be too high to get any SS until then.

I was looking at a page somewhere with a suggested VG mix that looked good for my purpose, but I can't find it now. I was sure I bookmarked it.

Rascal is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 04-17-2010, 02:12 PM   #2
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jun 2005
Posts: 8,951
Do you want to pay more taxes than you need to? If so, then have mix for taxable accounts (post-tax) and a mix for your pre-tax accounts.

If you wish to minimize taxes, then have a single portfolio that combines both your post-tax and pre-tax assets.

See also:
Page 5 is where it writes about taxable and tax-advantaged accounts.

LOL! is offline   Reply With Quote
Old 04-19-2010, 12:12 AM   #3
Dryer sheet wannabe
Join Date: Jan 2010
Location: Seattle
Posts: 21
Good read, thanks. I can't do a single portfolio at this time, but I can keep the big picture. At any rate, I *will* be retiring in a couple months. Perhaps a visit to a tax expert is is in order.
Rascal is offline   Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
How does your asset mix look at present Canadian Grunt FIRE and Money 21 09-14-2008 04:33 PM
best portfolio mix for these times novaman FIRE and Money 5 11-14-2007 08:01 AM
Appropriate mix of investments? David1961 Young Dreamers 4 11-01-2007 12:32 PM
401k mix Ronstar FIRE and Money 9 09-20-2007 08:09 AM


All times are GMT -6. The time now is 04:12 PM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2018, vBulletin Solutions, Inc.