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Not exactly a FIRE topic, but hoping some of you folks may have an answer. Would like help with withdrawal options for a jointly owned, non-spousal inherited ira. Was initially set up as jointly owned with MRDs sent equally to each of two beneficiaries. Can one of the beneficiaries now make a...

Standard advice is to use already taxed accounts first, then deferred then tax free (i.e., Roth). Our portfolio is predominantly tax deferred and we have no pensions so we have withdrawn from it pretty generously since retirement and reaching age 59 1/2. Until recently we have supplemented IRA...

I seem to get the same projection with or without SS $ entered at other spending tab. It is like the SS $ are not picked up at all. Can't see what I am doing wrong!

Good article. I am an "elder" also that does NOT want AARP as an advocate. Comparing Paychecks: Workers and Retirees - Registered Investment Advisor

We have some inheritance money coming this year and perhaps some more next year with the sale of some property. Saw a PBS special with Ed Slott (mentioned in another thread) addressing Roth conversion as a long term plan for avoiding future taxes. His conjecture is that our current deficit...

Several of us use a combination of Wellington/ Wellesley in our portfolios. For those who think the new pres is pretty sharp, you may be interested in this article.... A look at Barack Obama the investor - MSN Money

We have slowly evolved our retirement portfolio to a major dependence on balanced funds. Retired in 2000 and have been withdrawing from IRA where most of our money is since 2005. Balanced funds provide on-going income stream while doing the heavy lifting on stock/bond re-balancing. As we get...

Fyi, we had our annual plan review with Vanguard today and I asked about the new Payout funds. They are too new to be assimilated into their recommendations which isn't a surprise. I asked how you would incorporate one of these funds into your allocation plan and he said right now they would...

Our nest egg is essentially now composed of 3 parts; regular IRA, Roth IRAs and IBonds with 3.4 and 3.6% real rates. We are living off IRA and haven't used any of the other monies. We plan to buy a new car in the not too distant future and I had planned on selling some IBonds as already taxed...

Will be Medicare age in a couple of years and just found out about Part C. When did that happen!? Any of you folks of Medicare age who are on Part C or considered it and stayed with A&B care to share your thought process and experience?.... thanks! bill

Over the past year or so we have increased our allocation to the Vanguard Wellesley fund to about 1/3 of our portfolio. We take the dividends via our IRA withdrawal and re-invest any capital gains. Although we have not been interested in an immediate annuity, Wellesley seems to us to be an...

I know there have been several threads on buckets, but Bob has posted a new (to me) article over on his website questioning the efficacy of rebalancing during retirement. http://bobsfiles.home.att.net/WhatsNew.html Basically seems to indicate that not rebalancing (or at least infrequent...

Word coming out on new "pension like" funds of funds to be managed by Gus Sauter's group. Will seek automatic monthly payouts at 3,5 and 7% payout rates. http://insurancenewsnet.com/article.asp?n=1&neID=20070927290.2_87ed0030b844acb3

Asking folks to share their allocations and rationale has been done before, but it has been a while and perhaps some will participate that haven't before. Very interested in: 1) Retiree's portfolio context; i.e, current age and is it only source of income vs. pension(s) 2) High level...

Would like some feedback on how folks are allocating the fixed income portion of their portfolios, particularly intemediate term. We currently are 50/50 equity and non-equity. Within non-equity we are targeting 20% as reserve (stable value, short term bonds) and 30% for intermediate bond...

Have been settled in my retirement asset allocation for a while without changing it!  It is nice to realize you only need to make re-balancing and funding decisions once a year. I have been thinking some about our current international allocation however.  Currently have 10% of total portfolio...

The following post was shared at the Vanguard Diehards web site.  Thought some of you that have not seen it would be interested.  It is a collection of various allocation strategy examples; e.g., bernstein, armstrong, malkiel, etc. http://www.geocities.com/finplan825/ModelPortfolios-Data.html

I am in the retirement withdrawal phase and trying to adhere to Frank Armstrong's two bucket approach; ie., keep enuf in short term bonds to cover 5 years expenses in case the markets are down and you don't want to sell stocks or longer term bonds to fund a particular year's expenses. I have...

I posted this link on an Investment Strategies thread but afraid it may be buried there. Many of you using slice and dice also speak well of Frank Armstrong's two bucket approach to retirement withdrawals to avoid selling stock in down market. The following thread is the best detail I have seen...

I am settled into a modified slice and dice equity allocation; however, I have held onto Total Stock Market as my "large blend" fund. I am seriously thinking of switching to Vanguard's Asset Allocation fund. I know Chuck-Lyn considered this, but I can't find the conversation. I believe I saw...

This is our first year of IRA withdrawal and basically living off our savings. I have been drawn to Frank Armstrong's 2 buckets and trying to avoid selling stocks in down markets. I haven't seen much detail though, in how to pursue this strategy; i.e., if you have a -25% year followed by a +5%...

I would be interested in timing and triggers used by many on this board to rebalance their portfolio allocations. This has been mentioned some, but I didn't find a conversation specifically devoted to various strategies. I recently found the following paper which I thought was interesting...

I will be 59 1/2 and will begin taking from a roll-over IRA in September. We have planned to fund annual expenses and withdraw from our portfolio in a manner similar to that espoused by Frank Armstrong as well as others; i.e., 1) Determine the next year's cash flow, 2) move the required amount...

I just turned 59 which means I should "turn" 59 1/2 in September. I have always figured that is when I would be able to begin IRA withdrawal without penalty. In our newspaper yesterday, a financial column said you could "begin withdrawal today so long as you turn 59 1/2 by Dec 31". I am thinking...

The following link is to an article from Journal of Financial Planning which has a review of some recent Financial Planner advice for managing retirement portfolios and withdrawal strategies. May be of interest .... http://www.fpanet.org/journal/articles/2004_Issues/jfp0204-art1.cfm