Recent content by thefist

For asset classes other than equites and bonds, try portfolio visualizer or portfolio charts. The data sets don’t go back as far, but more options are available

I have a Fidelity HSA also. My ACA plan specifically says HSA eligible, so you need to check that on yours. As said above, just transfer money in. Fidelity will enforce/inform to the annual limits.

It wasn’t a recommendation. It was an example of how to increase your WR by 39% with practically no risk and a one-time minimal effort. I am curious though, why aim so high for performance when the WR is so low? No need to answer.

yes, that's exactly what it means. A 3.3% w/d rate is historically way too low. Simply using a 30yr TIPS ladder, one can achieve a 4.6% SWR with practically zero risk! protecting a portfolio from the epic drawdowns is what can increase one's SWR...

found it. It's 2000 retirees. https://portfoliocharts.com/2024/03/15/how-to-harness-the-flowing-nature-of-withdrawal-rate-math/?fbclid=IwAR2AY3ZFOLi_LuzbIre-HWupmycNVmh1CUlYhqpYH8orXVPf9aLZJkrr_x8_aem_AUOvQ3GW8t_Co9rHm8DxQYSqSo3GhvSACn-4CmYF8_veXr8XQG2ZweGSOW1ZzriH_5xj0n1DChkaZA0ExsUM5K6P

I’ll post if I can find this, but I read a recent article based upon a portfoliocharts.com simulation that shows a 1999 retirement year is likely to fail the 4% rule over 30yrs. The U shaped market is a killer for retirees.

Then it sounds like you’ve over saved, or are underspending. Protect a portion. The drawdowns during the bear markets are amplified by withdrawals. Even a 25% drawdown, combined with withdrawals, can easily exceed 40% over a few years in a stagnant market.

I am late to the game of understanding bonds also. Do yourself a favor and watch a couple things over the next year or so. Follow VGIT and VGLT ETFs. These are the intermediate and long term treasury ETFs from vanguard. Or, buy $1000 of each in the IRA so you’ll follow them. If the Fed...

I was the one who suggested it, and just one year older than you. So I guess your AA is 100/0? I’m a high stock allocation type too, but not 100. Just remember that you were employed during 2022, 2020 spring, 2008, 200-2002. I’ve got an iron stomach for the markets, but 2022 was...

I’m one year older than you. Here’s a few more things to consider. I didn’t see your asset allocation, but you said your IRA is all stock. Well, get your bonds or any alternatives in there. This will slow down the appreciation of the IRA and defer taxes on any interest until you decide...

Why stop at 50%? Is there a reason for it, or was that just made up? Do the long term prospects of the company indicate it can continue growth?

Funny, I saw the sale come up this morning. I highly recommend a stand if you don’t have a firm surface to put them on. And it’s much easier to lift from waist height than the floor.

If you are patient, Woot puts the power block Sport sets on sale. I bought a pair a year or 2 ago and seen them come up again. Buy a rack too.

@Fermion, perhaps it’s time to clean the barn!

Kinda shoots a hole in market cap weighted mutual funds.