Search results

I have this same problem. Whenever I get advice from anyone it is always, max out the 401k first, etc. I am currently working on planning for the "gap", because who knows what tax laws will be in place 15-20 years from now and the SEPP 72t may not exist. I am still maxing my 401k, because the...

Personally, I find it hard to believe an actively managed portfolio has consistently beaten its benchmark, accounting for fees and taxes over 10+ years and that it will continue to do so in the future.  Especially "across all performance periods." But thats just me.

http://www.nytimes.com/2004/12/26/business/yourmoney/26reti.html I think this is what you were looking for? You do have to register, but its free.

City all the way. Being able to walk down the street to the movies, bookstore, slice of pizza... The boonies (what us city slickers call the country) would drive me batty. ;D

Basically, what i've done is set up savings/investing through automatic withdrawal from my paycheck/account. All my investments for the year are DCA'ed biweekly, automagically. I've set the amounts to provide a high probability of success via FireCalc and other online engines. This will...

Re: Trailer Home with Land or Small House...You De I think it really comes down to personal preference. I dont know what value land has in Arizona, but 4 acres where I live would run you into the high 6 figures if not more. Depending on the land values, it might be worth it to get the...

I have the same TSP allocation as yakers. 40% C, 20% S, 20% I, 20% G. All the advice i've gotten says to use the G-fund as your main bond allocation. I will dump some cash into vanguards TSM fund next month. I also have 2 old roth's that I am thinking of using for some reit exposure and some...

Thanks for the quick replies! Can't get the FERS annuity until age 57. There would be a 25% reduction, which is ok with me and will help supplement for 2.5 yrs until I can tap the TSP. Cannot keep Federal health benefits either. Thats the worst of it, but I can't see working another 6+ years...

Hey all, I had another (yes another!) question I hope you can help me with. First let me say I am a buy and holder and big believer in asset allocation and am steadily becoming a Boglehead, and a Diehards groupie. I work for the federal government and put the maximum allowed 14k per year (+...

Hey all, wasn't sure where to post this. What have you found to be the best financial software to track investments, budgets, etc ? Quicken, MS Excel or something else? Thanks in advance for your input!

Interpreting the FERS rules is not easy but this is what I found: You may continue your heath insurance coverage only if you meet the following conditions: Your annuity must begin within 30 days or, if you are retiring under the Minimum Retirement Age (MRA) plus 10 provision of the Federal...

Hi Helen, thanks for the info. I am still trying to figure out the federal system, I am under FERS. I was just beginning to wonder about the medical coverage. My MRA is 57. At that point I would have 25 years. I am trying to figure out the deferred pension/medical aspects. I have run...

Might I recommend William Bernsteins The Four Pillars of Investing? An absolute must before you start investing and hiring chimpanz...er money managers.

I couldn't agree more. The pension isn't really a factor. I've decided to put the extra 500$ or so into a total stock market fund with automatic transfers set up so I wont even know it. I am also going to try to squeeze out some more money and pay off the mortgage early, which shouldn't impact...

Funny you should mention that, I was just looking at the Vanguard funds.  I am more comfortable with  balanced funds as well, and was leaning towards the Wellesley Income fund. My 401k is 80% stocks now.  I wouldn't mind the lower stock % in the wellesley.  Also at 10%+ returns over the life of...

Hey all, have been lurking here for a few weeks now and I have read every post. whew! (I'll need to figure new eye glasses into my ER plans :) ) If anyone has time/advice I would appreciate any opinions on my situation. I am 31 years old, working for the federal gov't. Just started a few...