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Thanks everyone....so I now have a really stupid question, why would one want to own bonds at all? What good are they really. The VG FP that I talked to several months ago said that even though the bond price might go down, the bond income might go up at that same time. I just don't know if...

It seems a general rule of thumb for retirement is to have about a 40/60 split between stocks and bonds. In this economy, is having 60+% of your retirement savings in Bonds, in my case, Vanguard Total Bond Index a good idea? And, if the Fed raises the interest rate to 4 or 5% in the coming...

Thanks, Yeah, the 1M is about it....house is paid off and there should be some SS next year when I get to 62.....I do have a conversation with a VG planner scheduled for later this week, would just like some outside opinions beforehand because the VG associate probably won't have anything...

Hi folks, I retired on April Fools day this year (age 60) and elected to leave my retirement funds within my ex-company's savings plan which is with Vanguard. I've got a little over 1M in a fund that has a stable $1 price that has paid me around 2500 every month so far......but, I'm thinking...

Thanks OAG, I didn't think to add anything else..... The Vanguard money is it...I have the option of receiving a monthly non-COLA pension or taking a lump sum amount. Between the 401K and lump sum we'd have just slightly less than 1M. My wife has never worked outside the home and we hope to...

I have notified my company that I will retire on 1 April of this year, at 60.5 years of age. My retirement funds, a 401K and company sponsored plan, are both with Vanguard. I took advantage of the Vanguard Financial Planning Service, filled out the questionare and had an interview with a...

Let me clarify....not go down with exception of the money I draw each month.

Hi all, I've been reading this board quite a bit for the last several months and have decided to finally ask a question of you.... I just turned 60 last month and have talked to my company HR folks about retirement. If I retire on 2/1/09, I will have about $950K between my company retirement...