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Retired last year at 59. 80% Index Funds, 18% Gold ETF, 2% Cash. Lost money in bond-heavy Wellesley a couple years ago, so reallocated that portion into Gold which has been a good move. I don’t know enough about individual bonds to be comfortable in that market. My experience with Wellesley...

Congrats Congratulations to the OP on their good fortune. Lock it in! I’m in Texas, and my assessed home value was increased 94% last year. We protested and lost. We’re going to pay for an independent appraisal and see if we have better luck next year… The school districts here are...

I replaced that portion of my AA that previously was allocated to bonds with a gold ETF. I would not invest in physical gold, though.

From Driver’s Perspective Something interesting that I’ve noticed: when I was driving my Volkswagen other drivers seemed fairly polite. People would readily let me merge or would let me in during heavy traffic. Recently we bought a BMW. We don’t see the same degree of goodwill on the road...

Sue Walgreen’s. That’s the ONLY way you’ll get their attention and hopefully prevent this sort of thing from happening to someone else.

Hard core INTJ here. Meaning I’m pretty much maxed in the respective categories. HR gave us the Myers-Briggs at my former employer. They chose several peoples results as examples to discuss in front of a group of several hundred. The very last one discussed was mine, which the giggly...

How is it possible that Wellesley has a 5 star rating...? That makes me doubt the veracity of the ratings. Instead of "Pssst! Wellesley!", it should be "Wellesley...? Pfffft!".

I’m in. Originally planned on retiring last year, but MegaCorp announced plans to “reduce their footprint” in the coming year, so I decided to go OMY. Over the past year MegaCorp had one wave of WFR’s after another, but always missed me. I suspected that I could get a severance, but in case...

I'm 59, have $1.4M in IRA's and 401k's, along with about a year's worth of cash to cover living expenses. Wife is retired, and I plan to retire in 6 months. Historically I've invested in Index Funds/ETF's. VTI and QQQ primarily. I'm now moving towards a more defensive posture in the interest...

Aviation. Build your own airplane. I did it. Built it in my garage. You can too. It’s a lot of fun, and you’ll meet some incredible people… https://www.eaa.org/eaa https://zenithair.net/ - Pat

I'll be 59.5 shortly, and am considering rolling my 401k funds (with my current employer) into an IRA. I plan to retire in less than a year (I live in Texas). Question: Is there any advantage to keeping SOME money in the 401k...? As long as the 401k account exists, can I ever transfer money...

I wonder if that explains some of the behavior seen in urban (ie, high gasoline consumption) areas. There does seem to be a lot of commonality across the larger cities.

3 months…? Good lord. My manager isn’t going to get 3 minutes from me.

I went to 20% GLD about 6 months ago, and about 35% into VWIAX (Vanguard Wellesley, which in hindsight has been a loser. My crystal ball was a bit cloudy on that one).

I assume that I will not see a dime of Social Security. If I do, great. But I'm not counting on it.

People suck. Get a dog. .

I’ve not increased bond allocation. Indeed, it’s at zero. 85% equities (split equally across QQQ, VTI, and VTWO) and 15% in GLD. DW retired earlier this year. I’ll retire in either 9 months or 21 months, depending on how things transpire at work… - Pat

QQQ - 37% VTI - 13% SPY - 19% VTWO - 17% GLD - 14% Split about 50/50 between an IRA and my employers 401k. As soon as I leave my current employer I'll put it all in my IRA and consolidate the SPY into VTI. 58 years old. 1.5M total. Maybe a year from retirement.

I too try to stay as diversified as possible via investments in index funds. I’m no expert, but it sure seems me that bonds (and thus bond index funds) are going to be losers for the foreseeable future. My asset allocation is 85:15, but that 15 is in GLD now.

Been a tech guy all my life. Was my passion in life, early on. But I'm sick of all the non-tech stuff that goes with it (I have not yet retired). I may keep some limited interest in Tech after I retire, but I don't think I'll be a participant.

DW has gotten into the habit of portraying us as being wealthier than we are, especially when she's been drinking. It worries me. If we were rich, I wouldn't want people to know. And since we're NOT rich, I don't want people to think we are. That's just asking for trouble.

35% QQQ 35% SPY 20% GLD 10% Cash All in 401k and IRA. 57 years old, anticipating retirement in a year or so.

Lazy QQQ/GLD Plugging in 80% QQQ and 20% GLD yields vastly better results in Portfolio Visualizer than anything else that I can find. But nobody’s talking about that. It seems like a good lazy portfolio. Am I missing something...? - Patrick

Friends of ours moved from Fort Worth, TX to Colorado a few months ago. They had "issues" with locals who saw their Texas license plates. Wasn't just a one-off situation. Somebody else who works at their same company had previously warned them that their Texas plates might draw attention...

Agree, although many people in my generation (I'm 57) also had a lot of student debt, changed jobs every couple years, and a lot of us didn't make as much as our parents did. Granted, all those factors will be more prevalent in the Millennial and later generations. Brings up an interesting...