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Thanks for the suggestions.  I considered options like the Target Retirement funds, but decided I wanted more options on the fixed income side and also like DFA funds which the advisor I am using has access to.

I thought of this link while reading OldAgePensioners dilemma.  This site has quite a bit of good information, most of it for free.  If you want more, there is a $49/yr fee.  I haven’t forked up the money, but the free stuff is pretty good.  I am retiring in a few months and have decided on...

IndexInvestor.com recommends T Rowe Price International Bond Fund (RPIBX). In some of their portfolios they suggest a significant percentage of foreign bonds, depending on your objectives. They present some research that shows in some cases foreign bonds give more diversification benefits than...

I recently paid my $25 for a years subscription to IndexInvestor and agree with ESRBob that it is worth the money. They have a lot of thorough write-ups on various topics related to indexing and allocation. The conclusions are similar to Bernstein and others, but with some different twists. They...

Anne, In case you have not looked at this link yet, I think it gives a good assessment of the DFA difference on a fund by fund basis http://www.altruistfa.com/dfavanguard.htm I am wrestling with the same decision and have not decided which way to go yet. I think if you do not need an advisor...

I have assumed that most of the portfolios presented on this board do not change much with time, as far as the stock/bond mix is concerned. A recommended portfolio that is 50/50 is not typically adjusted to be more conservative with time, even if the person is in retirement. On the other hand, a...

I posted a similar question earlier this year and you can see a few more links and the responses here, http://early-retirement.org/cgi-bin/yabb/YaBB.pl?board=inv_strat_board;action=display;num=1075341904 I am still undecided about the decision myself. I believe like TH that you have to be...

I have recently been reading various books that have been recommended on this forum, including ones by Bogle and Bernstein. One I dont recall seeing mentioned is Youve Lost It, Now What, by Jonathon Clements. It doesnt have all the financial history and technical discussion that others do, but...

Alec and wabmester, thanks very much for the advice and links. They are very helpful. Alan

As I get close to pulling the trigger on ER, I am wrestling with the decision of managing my own portfolio using primarily Vanguard index funds or using an advisor in order to use DFA funds. I feel pretty comfortable in doing it myself, but some articles I have read seem to indicate that it may...

I ran across an interesting article by Paul Merriman recently and wanted to get others opinions on it. His contention is that in order to keep volatility down once withdrawals start that it is important to have a significant dose of international equities in the stock portion of your portfolio...

Beststach, Just curious if you have the option to take a lump sum rather than the monthly pension? This is the case with the company I work for although I guess it isn't always offered. Alan

I believe that Lucias method is more conservative than Grangarrds since you do not get to Lucias third bucket where the stocks are for 14 years. Using Lucias method, I would be putting about 60 percent in the stock bucket and hopefully just watching it grow. Nearly all of my funds are in pretax...

I recently read the book Buckets of Money by Ray Lucia and wondered what some of the forum members think of his approach to retirement withdrawals. He suggests that at the beginning of retirement you create 3 buckets from your funds available for investment. The first is to cover expenses for...

Thanks earlyout. That is about the same ratio as my companys offer. I had another question of clarification on the withdrawal rate calculated by the online calculator. Is it correct that the rate should be adjusted for inflation? So if my 95 percent safe initial rate is $3000, after 10 years of...

I am working on an early retirement plan and am considering how to take the pension my company offers, either lump sum or annuity. I have recently discovered this site and the wisdom of the 4% withdrawal rate. If I take the annuity, say at a 50% survivor rate, the annuity would be equivalent to...