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trying to position my portfolio for full retirement starting next year. What are your opinions? safety reserve - 2 years remainder -60 stock /40 bond 90% index funds stock - 26% us large 11% us small/mid 12% intl stock 11% individual stocks (cap gains...

unbelievable annuity I suspect that behind the curtain you will find that it is not really a true annuity. If the contract is with the State, it is likely a form of defined benefit pension, one that you buy into with a lump sum instead of over time. It can be unbelievable because like all...

I'm ER, DW still works, says she's not ready to retire yet, has another year or two before she's feels she's accomplished some work related goals. I'd appreciate thoughts on ER activities while the DW completes her mission. I feel this nagging drive to do "different things" than when I was...

there's a lot of research out there showing that increasing your stock holdings, sort of a reverse glide path of stocks, as you age, is the best system, provided you still cover your short term needs with stable, non stock, holdings. As to dividend stocks, check the betas of the stocks you...

jump! Just my take on the courage thing. Ease into it. You have 3 income sources, Investments, apartments, job. You can get by on any 2. I quit ft work and consult. Between investments and hi commission jobs it works. My epiphany came after mom died, having not really done any of the...

Hi all. Looking for advice regarding what others are doing with their fixed income portion of their portfolio. In today's artificially govt manipulated environment, some questions as to what everyone is doing. Me personally, I am lightening my LT exposure, but not totally eliminating, moving...

true cost of financial advisors There are advisors and there are salesmen posing as advisors. If your advisor is registered as a broker, or gets some pay from a brokerage, then he's really a broker offering advice. If that's what you want, fine. But you will pay more like 2% when you look...

depends on terms Yes, the 30 yr bond price has gone up - it's been in the tank for most of 2013, at recent historic lows, it had to go somewhere when the equity market moved down. There is still a flight to safety response in a lot of people. Long term rates aren't as affected by the...

I'm looking for a bit of a survey here. How long of a planning horizon and what kind of portfolio survival rate are folks using? I've seen very conservative approaches, but I think that is likely both overkill and assuming that the various models are godlike in their ability to forecast...

also, the "dullness" in the speakers might be your ears. decreased hi hz hearing is the first thing. takes longer to lose the bass hearing

I'm right there with ya. We've lived beneath our means and saved, time to loosen up a bit. We're pretty conservative, so won't be blowing $$1000s on a turntable That said, dropping it on boat fuel, or travel is reality. So... it comes down to how certain of the FIRE plan are we all? I've...

like most everything spoken of here, its a lifestyle choice. If you're a boat person, it's not much different than any other addiction, one is indeed too many and 2 is never enough. I consider it a success to have weaned myself down from a max of 8. The trick is to enjoy, and for me, try to...

Thanks to all, keep those cards and letters coming. Yes, affordable boating is an oxymoron, but it is an addiction I've had for years, and not likely to break the habit anytime soon. We go though phases, from the small trailerable ones, to the larger cruising variety. And some mix of them...

Looking for thoughts on east coast retirement places, somewhere near a marina, with water access, not needed to be waterfront, just close to the boat so I'm not burning fuel to get to the water to burn more fuel. Prefer rivers to lakes, too many droughts in the last 10 years.

Does anyone know how to model part time work that stops after x years, or defined pension that gets adjusted for SS at full retirement? Plan to do part time work for a few more years, but not forever. Wife's pension get's nicked when SS kicks in.

God I hate the cold. Deciding to kick back on the part time job, right at the start of this wicked east coast cold spell, didn't work out the way I planned. I was going to get so much done that had been neglected for so long; not getting to any of that outdoor stuff any time soon. Had...

My introduction to this fantastic forum. I've been silently lurking in the shadows, gobbling up all the info that I can, and trying to make sense of it all. I semi-retired at 55,being right on the knife's edge about whether I have enough to "live-comfortably" for the remainder of what I hope...