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Allocation Planning for Future QCDs
Old 01-28-2018, 02:46 PM   #1
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Allocation Planning for Future QCDs

Its that time of year when I review my financial plans...

- Almost all of my investment assets are in tax deferred accounts.

- In two years, I will be required to withdraw RMDs. I plan to do this in the form of Qualified Charitable Distributions (QCDs) for about 10 years.

- My annual expenses will be covered by pension and SS.

- My allocation is 60/35/5.

Would you reallocate from stocks into cash now in order to assure not selling stocks or bonds in a down market?
-- 3 years of QCDs?
-- 5 years?
-- None? (Sell bonds if needed in a down market.)

Your thoughts would be greatly appreciated.
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