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Hi, I have been lingering around here for the past two years-- some of you may have read my posts. "The question is.... is 3.5%, or about $6000 a year, enough to retire a year early? I know, you will ask, what does it mean to you. Valid question. I am just asking opinions. Here is the...

The question is.... is 3.5%, or about $6000 a year, enough to retire a year early? I know, you will ask, what does it mean to you. Valid question. I am just asking opinions. Here is the situation. Currently I make about 143,000 a year, local safety government job. Its been a tough 30...

Almost every where you look now a days you see... there should be a mutual fund split of 70 percent stock funds to 30 percent bond funds, or 80-20, or 60-40. Mutual fund AA are always talking in splits between stock mutual funds and bond mutual funds. Here is my worry. I think the Fed has...

I am 52, and I plan on retiring next year on a pension of $100,000. Yes I am in Fire/police. My wife (51) was supposed to have a good pension too. But, she took several years off when our child was born. That interupted her years of service. Now her pension will suck big time! However...

What do you think about this simple portfolio-- 33% VTSMX-- Total Stock market 33% VISGX-- Vanguard Small Cap Index 33% VFIIX-- Vanguard GNMA Bond funds (I know, I don't like international funds-- lol) My thoughts are.... the market might just take off for a hellava rally. If so...

I recently discovered Compare Mutual Funds, CEFs & ETFs - TD Ameritrade and their risk/reward page. I love my recently acquired GNMA fund, especially in light of the market lately. Of course it is low beta/high alpha. I was wondering how you can find other low beta/high alpha's without actually...

I feel that I need to add a small cap stock fund to my mutual fund (taxable) portfolio. TRPrice has some good ones but the expense ratio is quite high. I notice Vanguard has some good ones at a better expense ration. But they have so many... Visgx Naesx Visvx How do you know which one to...

Hi, Where do you get the best interest rate these days? CD, Moneymarkets, etc are paying close to nothing. Other than the risky stock market, where do you plunk your cash to a decent rate of return. I should say a relative low risk (I know nothing is no risk). It seems that GNMA bond funds...

I am sure that I am not the first one to ever bring this up-- but I have a theory about asset allocation. How about 75% percent in good reliable stock mutual funds and 25% in good reliable bonds (of which can withstand a Bear Market, such as GNMA). Hopefully during the Bull Market, the good...

I have an option of going into the Deferred Retirement Options Program this June. Here is the layout. I can stay in it for up to 2 years. My current salary is $130,000. I can now retire with 70% (and do 2 years of Drop) or I can wait and retire normally in 6/2013 with 82%. IF I am in Drop...

I am 50. I plan to retire from a government job in 2 years. I will get a pension of appoximately $100,000 a year, plus 2 percent cola a year. I have a very small mortgage on a house, which shouldn't be a problem. I still have about $100,000 in mutual funds. Is this enough to last me til I...