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Old 04-19-2020, 08:09 AM   #141
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Obtaining wealth from your house will require you to take out a HELOC which seems kind of an odd way to get to your wealth via a loan...

I look at my house as something to live in vs. an asset counted towards my net worth. Itís paid off but is an expense producing asset - prop tax, insurance, maintenance....
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Old 04-19-2020, 08:23 AM   #142
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I am currently at ~ 30/70. We are both retired. I am collecting SS (DW's will start in August) and DW has a small pension. I am older and am in the RMD phase. It was nice to get a reprieve from RMDs for this year as we do not need the $ or tax that goes with that. That said, I would not want to have a port that does not contain at least 20% equity regardless of market fluctuations, just as an inflation hedge and because I cannot time getting back in perfectly.
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Old 04-19-2020, 08:55 AM   #143
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Do you have other options in your (401k) in case Stable Value rates decrease in the near future?
There is one other option but that would be a bond fund....DODIX
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Old 04-19-2020, 10:33 AM   #144
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We are at 30% stock and 70%cash, cd's, etc. We have NEVER raised cash during a down market before this. We have very little confidence as to how quickly the economy can recover and the incredible debt the federal government will have to reconcile. We are in our 70's and have concerns not for ourselves - as we are well covered - but for all the rest of our family. Near term, many families and individuals are going to have a lot of pain....with not much immediate help in sight. Give to your local food bank.
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Old 04-19-2020, 11:44 AM   #145
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AA is now 39/43/18. Pensions take care of majority of expenses, with paid off house. Was 35 equities but up on rebalancing on the way down. Bounce has felt good but not confident in future direction with earnings and continued record setting unemployment numbers coming in Q2. Short term volatility is getting old...
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Old 04-19-2020, 12:46 PM   #146
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There is one other option but that would be a bond fund....DODIX
Personally, I wouldn't put all the eggs in one basket if there aren't other choices as an alternative.
Nevertheless, there clearly is a space for having Stable Value in one's portfolio.
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Old 04-19-2020, 01:57 PM   #147
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Total Portfolio Asset Allocation is diversified with 40% in Fixed & 60% in Stock Funds, a paid off House & both kids have launched.

Out of the Fixed - 5% are in Bank CDs & Online Savings, which will cover 3 years of living expenses &
- 35% are diversified in Tax Exempt Bonds, Total Bond Index & International Bond Index

The 60% Stocks are diversified in Total Stock Index & Total International Index.

We are fortunate & thankful, life is good.
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Old 04-19-2020, 02:31 PM   #148
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Obtaining wealth from your house will require you to take out a HELOC which seems kind of an odd way to get to your wealth via a loan...

I look at my house as something to live in vs. an asset counted towards my net worth. Itís paid off but is an expense producing asset - prop tax, insurance, maintenance....
in the area i live , the government handed out incentives to install solar panels on existing properties , the power company would install the panels with an interest-free loans and allowing you to repay it back with your power rebates ( the solar array generates MUCH more than the property normally uses ) so the loan was repaid quickly , and now generates income at no ongoing cost ( and NO power bills )

a more active person might also have other strategies to generate income from your home , the current lock-downs are a brilliant time to explore this area
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Old 04-19-2020, 03:31 PM   #149
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34% Stock and 66% Fixed (Staggered CDís and Bonds maturing over the next 6 years.). House is also paid, pension starts January 1st and Iím currently collecting $600+ UI per week based on an 8-10 hour a week gig that Iíve had for the past two years.

Nothing could be finer...
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Old 04-20-2020, 02:03 AM   #150
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My electric bill averages about $60/mo. The electric utility is building solar farms like crazy. Why bother with personal solar at that price. (Not to mention they are not allowed where I live, hehe)
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