Search results

tyler creator of the website portfolio charts did an article on safe withdrawal rates . tyler is also creator of the golden butterfly portfolio. one of the problems i see in the article is the term safe withdrawal rate is based on retiring in the worst of times which were 1907, 1939, 1937 ...

after reading a lot on the work of corey hoffstein i decided to try what is called a leveraged 60/40 risk parity portfolio. the one i am experimenting with is called the carolina reaper , after the worlds hottest pepper. it works by using leveraged etfs . so if we have a dollar , we put .20...

I haven’t been active here in a while but I gave up other forums I was posting on and started being more active . In December 2020 both my wife and I got covid bad enough to be hospitalized for two weeks . I believe we got it at the gym after it was deemed safe to return . It was incredible...

i have not seen anything about this but i am curious . it does not apply to me but it is one of those questions that makes you think . if a wife is collecting a benefit and has her husbands spousal adder as part of her benefit , if he dies , i assume she gets to keep her benefit with the...

so i started collecting ss pre fra in sept while doing some wprk . i got one of those projected income forms from ss but i am trying to figure out out how it works . you have to check the boxes you made more than 1410 a month on this form ,after you started collecting so in my case it is sept...

our estate/elder law attorney has a monthly newsletter . i found this month's very interesting because it shows how careful and complex planning can be based on end goals . it also shows why a good elder law /estate attorney is so important because each form of trust has it's own benefits...

my wife filed for her benefit at 62. she is 2 years older than me . i recently filed for my benefit at 65 so up until now she has gotten no spousal adder . she is now 67 . using the ss calculator for spousal or the charts we believed she got a reduction on the spousal benefit for filing...

although you do not easily see it on the elan site , under services you can get a free vantage score from transunion .

what is in it for the brokerage when they offer cash promo's and you move etf's or existing stocks over . i can see if you use their services or buy their products but if not what is in it for them ? after all they are insuring the securities too . i can see owning funds through them too ...

i happen to notice the vanguard joint account my wife and i have says no beneficiaries listed . i know we did have them so i called . i was told joint accounts can not have beneficiaries listed until they are down to a single owner. that is ridiculous, all our fidelity joint accounts have...

what was interesting is i was playing with firecalc today and i threw in the 28 years we have left since we are already retired 2 years and at are a higher portfolio value today than the day we retired . it showed that the 45% equity level we are at actually beat 50/50 and 75/25 by 1 cycle...

anyone else having trouble getting full view to update vanguard the last week or so ?

so friday i was logged in to fidelity monitoring the watch lists i have . i usually stay logged in when i am home . i noticed towards the end of the day i was bumped out . i thought it was the typical timed out feature they have . but upon trying to enter again my account was locked with a...

i happen to notice on my declaration page that i was still classified as driving to work . since we are retired i called geico and asked them if it is any less if the mileage is the same . they said yep , if you use the car for 100% pleasure the savings is about 80.00 a year for the same...

just curious why 75% equity's was chosen as the default portfolio for retirement ? i think most folks who depend on their portfolio's for income are going to have much smaller equity positions , typically 40-60% . i think if they have pensions that cover most of their expenses they will have...

so looking at firecalcs results a 95% success rate would allow up to 5 failures to happen . but the 5 worst failures were 1907,1929 ,1937 ,1965,1966 . except for 1907 those dates are what the 4% safe withdrawal rate is based on . so when firecalc says you have a 95% success rate is it...

i see that all calculations for delayed credits are calculated in january after you file . but if hypothetically i retired in july at 68-1/2 to pick an age , my checks for the rest of the year include no delay credits from the current year . comes january my check will be recalculated to a...

fidelity introduced a new tool for in house use for optimizing social security benefits . within days they had to pull it back since the rules changed on file and suspend and restricted application . so they cancelled our appointment . well they re-introduced it and we had our consultation...

as of last night i am now officially a retiree. i am unemployed for the first time. now i get to stop waking up at 2:00 am and thinking about all the stresses of work and shift over to stressing about whether markets will have a deep long downturn right at my start. you can't win ha ha ha

the answer may surprise you. many etf's are allowed to put up their treasury bond holdings as collateral for money to invest else where like money market instruments from banks. TLT has it in the prospectus that they can do this with up to 1/3 of the funds assets . they can also buy up to...

well we are in the home stretch now and retiring in july, 40 years in the making and i can't believe it is here. i have been running the numbers over and over trying to find the most efficient way of handling withdrawals both in current taxes and in taxes when rmd's kick in. so here are the...

what is the best way to have any distributions made in my vanguard accounts transfered automatically to my fidelity core account ?

dr wade pfau and david blanchett look at which is more accurate , using rolling actual time frames like firecalc or monte carlo simulations to determine allocations. interesting enough they feel the actual data when used is flawed becuause of to many overlapping time frames influenced by the...

i happen to notice something very odd about VTSMX . that is vanguards total market fund . the oddity is if you look at morningstars invester returns,unlike the investor doing worse than the fund as the typical results show the investor actually did better. in fact the investor through timing...

we finally got ourselves to an estate attorney to talk about retirement and long term care planning. we brought our documents we drew up 12 years ago with us and pretty much everything we did had to be re-done as things were out dated or worded wrong for our current situation. one of the...