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Most likely the money for the purchase would come from fixed income not money in stocks. Therefore, the amount that is invested in S&P 500 in 2013 would not change, only the money invested in treasuries/money market equivalents would be reduced to purchase the SPIA. So compare a 30 year...

Buying an SPIA (immediate annuity) MAY make sense for peace of mind, allow you to spend/enjoy the money while living and not worry as much about the ups/downs of the market thus allowing you to stick to your asset allocation. The 355K would come from your fixed income allocation and not your...

I have a SMA Corporate Bond Fund from Fidelity. It has 65 different bonds, treasury, MBS and Corporate. You meet with them once a year at least I believe and they go through the performance and verify it still meets your needs, you can stop at anytime and you will own the individual bonds. It...

I have some MYGAs, there is a large thread on bogleheads supporting them. They are commodities so search several websites, fidelity typically only sells A++ and they will have lower % rates than those rated lower. Try Stan the annuity man or immediate annuities or blueprint income Currently A...

To decide if you are "free" from a high income job with little fulfillment: I might start by doing the following 1. Add up all your expenses (include mortgage), those that you will need in retirement 2. Add up al your stable/reliable income (pension,Social Security, annuity, reliable...

Some are Truly new issues and some are reopening. https://treasurydirect.gov/auctions/reopenings/ "In a security reopening, the U.S. Treasury issues additional amounts of a previously issued security. The reopened security has the same maturity date and coupon interest rate or spread as the...

WFC/PL @ $1190 6.3% div seems decent

This is a common misconception on FIAs (because the salespeople try to make you think you are getting "market returns"), they are CD/MYGA alternatives not stock alternatives. The insurer does not invest in the index directly they hold options on the index. So the insurance company does not...

If you go with now withdrawal the rate is 4.8% for 7 Year Aspida. If you go with interest only withdrawal the rate is 4.7% and If you go with 10% account balance withdrawal the rate is 4.6%.

I had it, started 11 days ago, had 2nd booster 3 days prior to symptoms (4 shots all Moderna) Day 1 Scratchy Throat Day 2 Coughing, Night time chills Day 3 Woke up felt better but runny nose, cough with phlegm and night sweat, Tested Positive (tested Day 1 and 2 was negative also PCR negative...

Just saw this, I was looking at A+ rated companies and saw Blueprint had the highest payout of the three. Didn't look at Mass Mutual since lower payout than Penn or Northwestern A+ rated.

Yes SPIAs are looking more attractive. Curious at what age you are purchasing? I have done quotes on immediateannuties/stan and Blueprint. Appeared blueprint and stan were higher/better payout than immediate annuity site.

I purchased 3 MYGAs via Stan the Annuity Man, seamless process. Highly recommend him.

Since almost all the dividends capital gains are taxed as ordinary income (small precent is qualified) for VNQ, it is tax inefficient and should FOR MOST investors be in a tax deferred or tax free account.

Here is my situation: I can spend on Maui 27 nights in a Westin Kaanapali Ocean Resort Villa North (WKORV-North) studio which includes a washer/dryer and 2 burner stove top and full refrigerator with a balcony. I purchased oceanfront view WKORV North 2 bedroom lockout (can be split up for 2...

So you want to change your Asset Allocation to include more stocks and less bonds. On top of that you believe that utility stocks will do better than stocks as a whole over the next 10-20 years. I would just buy a stock index if you need more growth. I guess if you want a bond alternative...

I own Disney/Hilton/Westin/Sheraton/Marriott, all bought resale for 10 to 50% of resale. All can be sold for close to purchase price today and DVC can be sold for 2x my purchase price (but not going to sale so doesn't matter). I rent DVC and sometimes my Maui Westin for 2x maintenance fee and...

Wow, better than the S&P 500 etf ITOT which is up 25% this year thus far so you made more than $450,000 after fees on your 1.8 million this year alone. Congrats If they can show you their past performance for the last 30 years and if it beats the S&P500, than it is worth it.

My mom spent 6 years in assisted living and 6 months in nursing home that made me look into LTCi. The biggest risk is going in at a young age or needing nursing care for a long time.

I purchased a One America Policy with accelerator and 3% inflation rider. I think the 20 year pay vs everything upfront may be good for flexibility as if things change (for example: government funded LTC, etc...) over those 20 years you can cancel the rider. There are some other interesting...

I did not look at each fund in detail but 1. You are tilted heavily toward tech 2. Guessing that the three funds selected overlap on several companies (i.e. duplicate) VTSAX contains all the companies that are in the three index/funds you selected.....plus a lot more.... Tech sector has...

If it's a good dining place absolutely we go. Dinner and Entertainment for free...... Disclaimer: We are professional Plate Lickers.........

Some follow this general guide (Variable Withdrawal Rate), you will not run out of $$$ prior to expiring, however you may underspend or have to cut back in years the market decreases significantly..... https://www.bogleheads.org/wiki/Variable_percentage_withdrawal "Variable percentage...

1. Yes Do the plan and disclose, I have done this several times over the years, it can give things to ponder (you do not need to follow the advice but you should fully investigate it either way) 2. No do not do the advisor. I have a Fixed Income SMA with Fidelity for a short period of time...

I kind of like the VPW model which insures you do not ever run out of money but you may have some swings in amount you can spend each year. https://www.bogleheads.org/wiki/Variable_percentage_withdrawal Variable percentage withdrawal (VPW) is a method which adapts portfolio withdrawal amounts...