Recent content by oldman

Thank you, very clear now except I see nothing on taxes. and what if some of spending is from IRA Roth vs IRA Traditional.

VPW Posting Perhaps I'm a little computer stupid, but I couldn't see how or where to put the portfolio value.

I've been using Retirement Calculator - Parameter Form and also tried esplanner.com basic free version Home | ESPlannerBasic I thought both were quite good for us at age 79. I'll try the one mentioned here and compare. The simpler the better as there is much I don't need.

Have you tried this one. Helped me at age 79 and Jim is very helpful. www.i-orp.com/‎ The Optimal Retirement Planner (ORP) is a retirement planning calculator that computes the maximum amount of money available for retirement spending ...

I certainly have no objection to selling in a down market. My taxable account is a small part of my investments but unitl the past year I also had earned income and 2009 was my first year officially retired. I'm sure my thinking will also change. I had too much in 2 stocks for too many years but...

I'm never happy to sell except when I want to, not if I have to. Actually, I've been spending alot of time deciding how much to sell in my taxable account in 2010 to take advantage of the 0% tax on LTCG on some very long term stuff while the 0% is still available. I will reinvest most of it but...

now you're making me think. I lost 50% on the 1000 shares I sold and I'm even on the 1000 shares I bought. Did I pass?

You have still removed the $10,000 from the taxable account, what does buying the fund in your IRA accomplish at the same time? Don't follow that LOL. Also, my thought about selling shares is to not having to do it in a down market.

Thanks LOL, I think that would be the perfect scenario as long as we don't have to take taxable money or maybe its also ok for that also. But, in case need to have cash or equivalent, don't want to sell shares. Everything, I read says in order of distribution of money from accounts to take...

Yes RMD is a large part and Social Secuity is a large part. I also have some in Roth. But as I said I have no earned income. We are comfortable that we have enough for as long as will be around. 15-18 years if we're healthy and lucky.

I am married, wife is 74. What does RMD have to do with my question?

This is directed to those who are already taking their Required distribution and have no other earned income other than social secuirty and some interest/dividends and are in the 10-15% tax bracket. What do you find is the most tax advantaged way to invest the taxable account? As you know, if...

I would likely increase my TIP's to 20% of my fixed income portfolio.

Maybe this is more in line where to be. Two thirds fixed-income panacea for retirement security? - The Wealthy Boomer "research from Russell Investments Canada Ltd. that concludes an adjusted portfolio mix of 65% fixed income to 35% equities can best protect against investment "sequence...

The half wrong can be devastating, even with a diversified portfolio. There was little uncorrelated last 2 years except treasuries. Also, I am 13 years older than you so I might have looked at it differently at your age. We are in for some tough times and looking for ways to maneuver the...