Almost ready to call it quits. Maybe 30 months out. Here is our situation.
I'm 47 , wife 54. Here's we we are at.
250 K SEP ira, all in cd's
3.2 million in taxable cd's avg 4 percent now, with rollover will be at 2.5
Depending on rates
50k in muni's
200 k in 401k
200 misc cash , savings bonds
Home paid, worth maybe 150k
Three rentals worth maybe total 300k, owe 200k
Been reading forum forever, am uneducated about investing and very conservative. Do work a lot and have saved for three decades, wasn't easy. I am getting pulled in every direction by financial planners. Will not been getting any pension and we are on our own for health insurance. Looking for a rather safe investment that we can get at least a four percent return. Any other advice or help will be greatly appreciated. We are excited and scared for the next phase of our lives.
I'm 47 , wife 54. Here's we we are at.
250 K SEP ira, all in cd's
3.2 million in taxable cd's avg 4 percent now, with rollover will be at 2.5
Depending on rates
50k in muni's
200 k in 401k
200 misc cash , savings bonds
Home paid, worth maybe 150k
Three rentals worth maybe total 300k, owe 200k
Been reading forum forever, am uneducated about investing and very conservative. Do work a lot and have saved for three decades, wasn't easy. I am getting pulled in every direction by financial planners. Will not been getting any pension and we are on our own for health insurance. Looking for a rather safe investment that we can get at least a four percent return. Any other advice or help will be greatly appreciated. We are excited and scared for the next phase of our lives.