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Search: Posts Made By: nun
Forum: FIRE and Money Today, 01:12 PM
Replies: 23
Views: 1,032
Posted By nun
A diversified portfolio gives you the chance to...

A diversified portfolio gives you the chance to adjust the sources of your income to mitigate sequence of withdrawal issues.

In the extreme example if having everything invested in a single stock...
Forum: Health and Early Retirement 04-22-2015, 08:08 PM
Replies: 44
Views: 1,359
Posted By nun
Dr. Michael Mosley has done some great diet and...

Dr. Michael Mosley has done some great diet and exercise programmes here is one about high impact, short duration exercise

The Truth About Exercise - Video Dailymotion...
Forum: FIRE and Money 04-22-2015, 06:12 PM
Replies: 19
Views: 553
Posted By nun
You also have to consider income generation. If...

You also have to consider income generation. If you retired into a bear market and lost 2 or 3 times the actual decline and then had to take income it could be nasty.
Forum: Health and Early Retirement 04-21-2015, 02:16 PM
Replies: 44
Views: 1,359
Posted By nun
BP is highly variable. When I go the the doctor...

BP is highly variable. When I go the the doctor my BP can be 160/90 and he's tried to put me on medication, but my usual BP is 110/70 and it can be 100/60 after a hard bike ride with my blood vessels...
Forum: FIRE and Money 04-21-2015, 08:06 AM
Replies: 15
Views: 1,664
Posted By nun
Way back in 1987, when got my first paying job, I...

Way back in 1987, when got my first paying job, I was unsophisticated about investing for retirement and thought that I'd get all my retirement income from traditional pensions, annuities and social...
Forum: FIRE and Money 04-21-2015, 07:53 AM
Replies: 15
Views: 1,664
Posted By nun
While assumptions certainly affect...

While assumptions certainly affect results......if the numbers point towards including annuities in a portfolio then include annuities.
Forum: FIRE and Money 04-14-2015, 08:29 AM
Replies: 15
Views: 953
Posted By nun
I don't worry much about my annuity because it's...

I don't worry much about my annuity because it's been successfully paying out for almost 100 years.

TIAA-CREF - TIAA-CREF - TIAA Traditional...
Forum: FIRE and Money 04-06-2015, 12:16 PM
Replies: 4
Views: 663
Posted By nun
What are your income needs? and what is the plan,...

What are your income needs? and what is the plan, 457, 403b, 401a?

TIAA-CREF retirement accounts basically offer some average cost mutual funds (although they are technically variable annuities,...
Forum: FIRE and Money 03-26-2015, 11:29 AM
Replies: 17
Views: 1,020
Posted By nun
I'm 75% equities, 15% bonds (Wellesley), 6%...

I'm 75% equities, 15% bonds (Wellesley), 6% TIAA-Traditional and 4% cash. I've increased my effective equities allocation recently, not because of the markets or speculation of what the Fed will do,...
Forum: FIRE and Money 03-26-2015, 08:54 AM
Replies: 41
Views: 1,873
Posted By nun
It's a state pension.....so not really comparable...

It's a state pension.....so not really comparable with SPIAs available on the open market.
Forum: FIRE and Money 03-25-2015, 09:39 PM
Replies: 41
Views: 1,873
Posted By nun
I got a pretty good deal the other day; a 7%...

I got a pretty good deal the other day; a 7% payout rate with a COLA at age 55. If I live to be 76 the IRR is 6%....84 and the IRR is 8.3%. I'm using 20% of my retirement money to buy it and it will...
Forum: FIRE and Money 03-25-2015, 09:29 PM
Replies: 41
Views: 1,873
Posted By nun
Buying a fixed SPIA with a portion of your money...

Buying a fixed SPIA with a portion of your money has many advantages....not least being peace of mind. The bond market might get "interesting" in the next fe years so I see more people one again...
Forum: FIRE and Money 03-22-2015, 10:03 AM
Replies: 18
Views: 1,239
Posted By nun
You might want to consider some MM alternatives...

You might want to consider some MM alternatives like I-bonds, CDs etc for the extra 2 years of safe money.
Forum: FIRE and Money 03-21-2015, 02:44 PM
Replies: 34
Views: 3,149
Posted By nun
That's my approach too. I don't use any of my...

That's my approach too. I don't use any of my retirement savings for income, I just have them in an 75/25 AA of low cost index funds and let them accumulate. I get my income from rent, a pension and...
Forum: FIRE and Money 03-21-2015, 09:57 AM
Replies: 21
Views: 1,201
Posted By nun
Yes TIAA-Traditional new accounts are not nearly...

Yes TIAA-Traditional new accounts are not nearly as good as the old ones. If you have the 3% min guarantee it's a great substitute for CDs and bonds, but if you inherit TIAA balance I'd also roll...
Forum: FIRE and Money 03-20-2015, 08:43 PM
Replies: 21
Views: 1,201
Posted By nun
People are being unnecessarily negative about the...

People are being unnecessarily negative about the retirement side of TIAA-CREF. Their equity and bond offerings are ok. Not as inexpensive as Vanguard, buy cheaper than many. TIAA-Traditional and the...
Forum: Other topics 03-20-2015, 08:36 AM
Replies: 23
Views: 685
Posted By nun
You need to ask your questions to the Canadian...

You need to ask your questions to the Canadian immigration folks. They will tell you what you are supposed to do. You can visit as a tourist for 180 days, but watch out for your tax residency status....
Forum: FIRE and Money 03-20-2015, 08:24 AM
Replies: 3
Views: 929
Posted By nun
Surely this sort of thing isn't a surprise to ER...

Surely this sort of thing isn't a surprise to ER forum folks. I LBYM and expect my portfolio to grow in retirement. My goal is to live well and also leave money to some relatives, friends and a local...
Forum: FIRE and Money 03-19-2015, 08:36 AM
Replies: 21
Views: 1,201
Posted By nun
Yes it all stems from the original teachers...

Yes it all stems from the original teachers retirement side of the company being an insurance company. CREF produced the first variable annuities so that teachers could invest in the stock market and...
Forum: FIRE and Money 03-18-2015, 06:48 PM
Replies: 21
Views: 1,201
Posted By nun
TIAA-CREF is sort of what you make of it. They...

TIAA-CREF is sort of what you make of it. They have some middle of the pack mutual funds and if you get them through your retirement plan they will be structured as variable annuities probably with...
Forum: Life after FIRE 03-16-2015, 01:29 PM
Replies: 204
Views: 9,192
Posted By nun
Renouncing US citizenship is quite difficult....

Renouncing US citizenship is quite difficult. First you need to get another citizenship as the US won't let you go without it. Then you need to file the required expatriation forms with IRS and the...
Forum: FIRE and Money 03-16-2015, 01:11 PM
Replies: 9
Views: 764
Posted By nun
Double check your Medicare credits. Even if a...

Double check your Medicare credits. Even if a state or local government opts out of SS they usually pay the Medicare tax bit of FICA........in fact, I think that might be a mandate.
Forum: Life after FIRE 03-13-2015, 07:22 PM
Replies: 204
Views: 9,192
Posted By nun
He'll get the free healthcare by just moving to...

He'll get the free healthcare by just moving to the UK, but to qualify for a UK state pension he needs to have paid National Insurance contributions. Unfortunately people don't plan ahead. I'm a...
Forum: FIRE and Money 03-09-2015, 05:01 PM
Replies: 95
Views: 5,170
Posted By nun
The problem with these mathematical models is...

The problem with these mathematical models is they are constrained to use past market performance. We all know that "past performance does not.....etc etc" so many retirees will be conservative and...
Forum: FIRE and Money 03-09-2015, 10:10 AM
Replies: 95
Views: 5,170
Posted By nun
You could argue that once SS/pensions come on...

You could argue that once SS/pensions come on line you don't need to generate as much income from investments and so can reduce risk and move away from equites to more fixed income.
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