Recent content by cyuanwang

I can’t thank you guys enough for all the great inputs and ideas. Being honest I’m planning to retire in about 3-5 years. I have already accumulated enough for my retirement and probably will leave some money for my two kids. And one thing for sure I won’t panic next time the market crashes, I...

Many thanks to all of you. Just to be clear, I intend to get back in gradually and not at once. And I won’t pull out if market tanks 20-30% probably add some more. I really appreciate the funds and stock recommendations, I will study them and take action but not in a hurry as market is quite...

Thanks! You mean target date funds available at Fidelity? I guess it rebalances over time too. I want to invest in a short list of funds that has good diversification.

Hi street, you just made me feel better. Thanks!

Additionally I’m not greedy as long as I can beat inflation and make small gains I’d be happy. Beside I do believe in diversification and value investing. Thanks.

Hi everyone, I’m facing a dilema since I pulled some of my investments out of the stock market when Dow was at around 26k points last year, so I have missed good chuck of the recovery since then. Now I have good amount of cash that need to be invested. I’m seeking long-term investments so I need...

Hi VW, Thanks for the free tool recommendation. By the way what are the return rate you recommend to use for optimistic and pessimistic scenarios? How about 5 and 3% respectively? Thanks in advance, Wang

Hi Aramis, first of all congratulations! I believe your have a very solid plan for retirement. One question I have is how much is your monthly spending? I'm living in Florida but planning to retire possible soon within an hour from Toronto. Thanks.

Thanks a lot!

Sorry for my somewhat unrelated question: where can I find the tool to run FireCalc that you guys mention all the time? Thanks in advance.

Congrat. Are you willing to share your book?

Thanks kimcdougc, I'm almost there... [emoji23][emoji23][emoji23]

No need to apologize Enuff2Eat, I know your intentions are good. And I understand and agree with that we can wait too much to fully enjoy our lives.

Thanks Enuff2Eat, fortunately I'm not this kind, the thing is I'm always too conservative when dealing with money, it is in my genes of immigrants that have heard too much hardship due to lack of money from my families.

Thanks evilanne, healthcare is under me and my wife's professional usually the employer won't offer this type of benefit. That's why I mentioned that I will most likely have to pay for insurance from retirement until I'm 65 yrs old at 20k per yr. Heath care is one of my major concern after my...