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I’m 53 and thinking to retire in 2-3 years. No employer insurance. How to budget for medical expenses (premiums and deductibles) until Medicare kicks in? What if ACA goes away?

How do you end up paying no tax on long term capital gain? You stay under the capital gain income limit?

re-balancing question I posted my question earlier and got good suggestions! Thanks all who posted. The main point I got is to sell stocks/buy bonds in the IRA, thus bringing my overall AA to my preference. So this would end up being mostly holding bonds in the IRA and mostly stocks in the...

UPDATE on my re balancing question I posted earlier my dilemma about rebalancing. I have a bond allocation of only 18% for my risk tolerance. I'd like to be 30% or 40% in bonds. This is a taxable account. my AA in the tax-deferred accounts is pretty close to my optimal. To rebalance I have to...

Need help with this: my total non-retirement savings is currently allocated to 53% US stocks (VTI) and 18% of US bonds (the rest is 14% REIT, 7% gold and 7% of all world stocks). I know I am too heavy on stocks and not enough into bonds for my risk preference. I would ideally like to be 30%...

hi everyone, sorry if a related question has been asked I need to figure out how to invest money for my kid's private school. I need to pay 22K for 6 years, starting 1 year from now (I just made the first payment). I have the money - some in cash and some in various mutual funds (like...

it is K-12, actually will be 6-12. what does this mean exactly? with CD rates so low, I am looking for something that hopefully may be a little higher than CD rates, but lower risk than market. Does anyone have any experience with structured products? Like those CD-type things that have...

What is the best way to invest for private school? I just sold a house and cashed in on 140K, I need to pay 20K for the next 7 years starting next august (2015). What is a reasonable way to invest this, so I can withdraw 20K every year, plus have some growth to allow for inflation of tuition...

I need a reality check on my plan. My plan is this – I have a portfolio that would allow me to maintain the current level of expenses at about 5% withdrawal rate. I know 5% is quite high, especially in light of the recent discussion on the 4% thread, but I only need it to last 20 years because...

Did anyone o fyou out there retired (or plan to retire) in Hawaii on a budget? and if so - what is your budget (as detailed as possible). The winter is only starting on the east coast but I am already tired of it. So I keep myself occupied by dreaming of retiring to hawaii, but not sure we...

curious where are you going? I am also in Maryland.

This is something I remember (from my finance classes a long time ago, so my memory may be not fully accurate) is that it how different durations bonds react also depends on the shape of the yeild curve - meaning how long-term rates are different from short-term rates. Now short-term rates are...

Thanks for all these useful links and to all others who replied. BTW, in the same book I mentioned Swedroe says that stocks of commodity producers do not behave like commodity prices, but move more aligned with other stocks, so in terms of diversification they are aparatenly not as good as...

I am reading Swedroe's book on "The only guide to alternative investments you ever need" and he makes a point that commodities offer good diversification benefit (i.e. can reduce risk without lowering overall return, and perhaps even raising the return some). Do people here hold commodities...

I am making up my conservative AA and exploring permanent portfolio as someone has recommended to me. Do you hold a permanent portfolio PRPFX as part of your AA? if not - why not? if yes - what % of total AA is it? if you were to buy it now - would you? it has a high percent in gold and...

I agree with the strategy to pay off mortgage - its effect is like "earning" a return on your investment equal to your current mortgagage rate it (since you are not spending it on interest payment) with no risk involved. I think this works even if the house prices tank, since you owe the same...

Not sure if this will be supportive, I can only say that I am in a similar boat - cant's stand the job, but have to stay here about 3 more years to qualify for a pension. So all I can offer is a sense of companionship and that it is also tough for me to to wait. I think what works is keeping...

Have any of you looked into market-linked CD products? like this one. http://www.fisn.com/resources/pdf/HSBC%20Bank%20Golbal%20Equity%20index%20Basket%20Qt%20Av%20Min%20MLD%206Yrs%2005-25-10.pdf You get some participation in the index - in this case they take quarterly average value of the...

Thanks for this idea. What I am thinking is that given current rates on CD's it is difficult for me to allocate 40% in something that will pay only 3% over 5 years (which are current rates on 5 year CD's the rates are much lower rates on 3- and 4 year products). So this most likely won't beat...

those are great questions. I guess what I am looking for is a little higher return then on CDs (it is around 3% now on 5 year cd) but only with a little more risk. That is why I am exploring this preservation strategy, but I agree with you on the costs - that is why I am looking for other...

Thans for this idea - can you say more about Guyton's - where do I find it and what is it? sorry, but I am pretty new at this investing business. Thanks nr

Thanks for the comment. I am sorry if I was not being clear. Their intention is not to beat the market, but to provide some modest return in exchange for relatively low risk; they seem to have done well in the most recent crisis. 2.5 fees are not upfront - it is 1.5% AUM fee that my advisor...

HI, Here are some details about me. About 40 y.o. now, want to retire in 2 years or so, which gets me to qualify for my employer pension which I plan on starting at 60. So basically I need income for 18 years (assuming retiring at 42 and starting pension at 60, the pension is with COLA and will...