Recent content by rogert

In 2015, after about 7 or 8 years of bull market. I read a lot of finance magazines, googled bear market 101, etc made a decision to diversify my 100% stock into a much conservative portfolio including bond index. Only a few months later, stock already rose more than 10% which at that time I...

Well, my annuities is not IRA or 401K. I just parked money there at that time as "retirement" asset. Just can't believe it could "lose" when I was trying to be conservative investing in bond index! Now, as I reached 59.5, just wanted to invest it somewhere else (low or no fee) and without at...

Thanks, you are doing great that your gains is even higher than cost. I made a "stupid" mistake from the advice of getting conservative pre-retirement. Investing in Bond index instead of stock made me losing even before taking into inflation adjustment. I think Transamerica also charge a hefty...

Annuities closing at 59 and half When you say "Your annuity contract will specify the rules", that means whether penalty or not, it varies by contract. In other words, my "concept" of 59.5 threshold for no penalty in general is not true. I thought I am quite financially literate but I guess I...

Good Afternoon, I have a concept which not 100% sure correct or not. For Annuities account, can I close or fully withdrawal all money after reaching 59 and half years old without any penalty, in general? Mine is actually Transamerica (transferred via Vanguard without my consent), value Variable...

Reasons I think I am late Wow, thanks all for the support! I have learned so much in just a few hours of reading some relevant discussion and I would have done several decisions differently if I knew then. For example, in my thirties, ER was never in my mind at all. When I moved from Los...

Finally found my dream website here, full of useful information and meaningful discussion. As someone mentioned, this early retirement topic is definitely not for most people, and is difficult to find buddy in your own network of friends and coworkers. Bottom, I am 53 and I know I am too old to...

Quote" As an aside - I don't do a bad job. I do my job better than most of my colleagues, which is why they give me the difficult accounts. I'm just tired of being the guy that they turn to when there's a problem, while my lesser talented colleagues get the easy projects because that's all...