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Yes....the other 1 mill is invested at my AA of 40/60. 4% WR is a little rich in my opinion given today’s Bond yields. My goal is to keep my WR as close to 3% as possible. I nibbled a little today and bought some Total Market Index as well as the International Market Index which is at its 52...

Just received Lump Sum of $500k from a Pension Distribution......I am a 3 Fund ETF Index believer.....Would you just invest to your chosen AA in this market? I am 40/60....60 Years old and have 1.5 Million total including this new 500k Lump. Also have a small non inflation indexed pension...

Given all the talk that this might be a tough time for many to enter retirement....it’s important to remember we’re currently in the longest expansion since World War 2...and just short of the longest since 1860! If indeed this is the end, and a recession is around the corner.....I would rather...

Bonds My Schwab 3 Fund Portfolio : SCHB SCHF SCHZ I wonder as well if a shorter duration Bond Fund is more appropriate?

I have 500k available as a rollover coming this in December. My thinking is just to roll it over and investing it with my current Asset Allocation 40/60. I am an early retiree at age 60 and still working part-time. Of the 500k....half comes from a Defined Pension and half from a 401k that was...

I just inherited a non spousal anunity along with my brother. Its held by Hartford and it's quite old and has changed hands more than once. No one can determine the cost basis. What happens in a case like this? How would the distribution be taxed? Who's responsible and do I do I run the risk of...

This volatility scares me if I were to dump all or large sums in at once...thus was thinking DCA over the next 12 months...if things turn really ugly I could always dump more in to shorten that timeline......does that make sense?

55 Single divorced Female looking to start investing with 10 year time horizon. $350k cash....small 401k and just started a Roth. No pension and a limited SS history. Given the complex nature of this market....how would you suggest I start to put some of my savings to work given my 10 year...

Decided to go with a Schwab ETF version of the 3 Fund Portfolio. My question centers around the weighting of the 3 International funds. SCHB US Broad Market SCHZ. US Aggregate Bond SCHC International Small Cap Equity SCHF international Equity SCHE Emerging Market Equity

After deciding to no longer pay our DFA 0.65 to manage our accounts and after looking at the Robo offerings from Vanguard, Betterment and Schwab I am leaning toward going it alone and moving everything to Vanguard using all Index ETF Funds. The ER of this portfolio should be about 0.10. My...

Launch date for Schwab Intelligent Portfolios set for March 10 according to a conversation I had with Schwab this AM. I will be making an appointment and will share any further details. I haven't been able to find any additional AA examples other than the 3 listed in their FAQ link. Interested...

Just moved away from my FA that charged 1 point. Trying to simplify and manage costs. Between pensions and SS 85% of my target income in retirement will be covered leaving a 2.5% WR from the remaining portfolio.

My target AA is 55/45. My "bond/fixed asset allocation is some 400k in a future (4 years) DB Pension Plan that is very stable. I am not worried it won't be around when the time comes to either take the montly annunity or the lump sum. I am considering putting my entire stox allocation in the...

It's a phantom asset for now....in 4 years I can take control of the lump and roll it over. At that time I will see what is the better deal...lump or anunity.

I have about 300k that in a DB Plan that will come available in 4 years. At that time I will either take the montly anunity or a lump sum. How should I treat this when designing my AA? My past advisor had it listed as bonds. The DB plan is very well funded and I have no doubts it is safe and...

Schwab Intelligent Portfolios Postby macav933 » Fri Dec 19, 2014 11:03 am Looking into Schwab's upcoming launch of Intelligent Portfolios: https://intelligent.schwab.com At first glance this seems to be a possible game changer. I have moved on from my FA who charged 0.50 basis points to...

Pension The Pension is very well funded and looks to be as good as it gets health wise. The Supplamental Plan (401k like) also it's very healthy but not available until age 60. Both are products of The Directors Guild (DGA) and are VERY well run. The Supplanental Plan is invested very...

How would you take into account some 400k that will not be available until 2018 in your current asset allocation? A pension at age 60, lump 212k or life annunity currently valued at $1261 monthly. In addition a 401k with about 178k would also be available at that time. One intreiging opition is...

I am having a hard time delaying SS and increasing my WR during the most vulnerable period of retirement....am I over thinking this:)

I know each case is different ...but looking for some feedback on taking a monthly annunity instead of of a lump. My thinking is to avoid the sequence of returns risk during the first 7-10 years of retirement. By taking the annunity combined with SS at 62 (health concerns) 85% of my expenses...

:) Thanks MBAustin Vanguard is where I was thinking about parking my funds.

Decided it's time to move away from my long time advisor and move into a Lazy Portfolio as I prepare to start withdraws. My question centers around how to transition my current account that has 70% in tax defered accounts as well as about 200k which is taxable that holds long term funds. Are...

Also having recently retired from The Washington Post with the same "small Pension" the OP failed to point out that it's pension is available at age 55 with health care in which the company picks up 75% of the cost. You add that the company had a very robust 401k matching plan since the late...

A great read again by Kitces Managing Sequence Of Return Risk With Bucket Strategies Vs A Total Return Rebalancing Approach Your thoughts? Managing Sequence Of Return Risk With Bucket Strategies Vs A Total Return Rebalancing Approach | Kitces.com

Just sat down with my adviser yesterday....first question out of her month was "how do you feel about the market"....my current allocation is 51% equity's with a goal of 55% given I'm still working PT at age 56. Plan to dollar cost average about $120K in cash into stocks starting in Feb. Maybe...