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I recently retired (end of 2019). I have as a core holding Vanguard Target Retirement 2020 Fund (VTWNX). This represents about 30% of my (approx 1.7M) portfolio. Most of the portfolio is tax deferred (Vanguard and Fidelity traditional IRAs). This fund has basically been on autopilot. It pays...

Thinking about getting a CD. Since I already have a savings account with Capital One, I looked at their offerings first. The below link has the CD rates for Capital One. What seems unusual to me is that their best rate is for a 1 year CD. Why would a 1 year CD have a rate better than their...

I retired at the end of last year and am heading into a brave new world in 2020 (no more paycheck!!). I just sold a mutual fund in my IRA and withdrew the proceeds. Had them withhold 20%. After all the years of putting in this is the first time I have ever taken out. I got a nice big check and...

This is going to be a long post so if you are reading this and have better things to do feel free to stop now. I won't be offended and honestly this is as much for my own cathartic benefit as anything else. First of all I will admit that I am no longer an early retiree. That ship has sailed. My...

I have been following the "Roth Conversions make sense?" thread with some interest. It has me asking some questions but I don't want to hijack that thread so I thought I would ask the questions in a new thread. Note I am > 59.5 and will be retiring the end of this year. Most of my assets are in...

I really like this forum and am looking for some opinions from the really smart people who frequent it. My situation: Will be retiring and the end of this year. Most of my retirement assets are in 2 accounts: Fidelity 401k - 700k Vanguard IRA - 600k While working being in the 401k was a no...

I am 63 and am planning to retire before FRA at 66. At that point I will begin collecting social security. I have most of my assets (approx 1.5M) in tax deferred accounts (a 401K and 2 IRAs). My plan was to use the intervening year ( or possibly 2) to withdraw some assets from the tax advantaged...

I feel very fortunate because hopefully I will be leaving the workforce on my own terms. My plan is to say goodbye to the working world on 12/31/2018. My thinking is that it will make filing taxes (I do my own) easier by having a complete working year followed by my first non-working year. This...

My company has a 401k plan with Fidelity. Next month we are changing to "Fidelity Flex". Basically they will map our existing funds to equivalent fidelity flex funds. These funds are supposed to have an expense ratio of zero. This sounds like a good thing. The funds seem to be newly created...

I am fortunate enough to have a pension that I have been collecting for the last 13 years. The company who is paying the pension has informed us that they will be making a one-time offer to pay a lump sum and buy out our pensions. There is an active discussion concerning this on an email list...

I am 60 yrs old. My goal is to pay off the mortgage on my primary residence within the next 2 years then consider myself FI. Each month I seek to "throw" extra money at the mortgage so as to eventually meet the 2 year goal. Currently, I fully fund my 401k and a spousal IRA. The rest goes towards...

Hi All - Have been reading some good stuff on this forum and I am learning a lot. My situation is that I am 59 and have a good news/bad news situation. I live in what most people would consider a good size house on about 10 acres. If I were to sell out and down size I could probably retire...