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5 years retired and will start RMDs in 2030. Shifted cash to new non-retirement account December 2022. Looking to shut down withdrawals from our retirement accounts until 2030 and let them grow faster. Any interest earned on non-retirement accounts need to be included as part of adjusted taxable...

Coming up on 5 year retirement anniversary and this years discussion with our accountant/financial planner will be the pro and cons of these types of accounts. When we initially retired in 2019 we had a 50/50 portfolio of cash/investments. In November 2021 we decided to shift 80% of our cash to...

VFIAX is a large cap blended fund where I found a note stating it is also available as an ETF. Clicked on "ETF" and was taken to VOO where I am already invested and planning to increase my stake. Except for a very modest change in fees they appear very much to be the same. For the VOO ETF I need...

Thinking to make an initial small investment in this domestic stock ETF fund (https://investor.vanguard.com/investment-products/etfs/profile/vtv) that falls within the Large, Value sector. Low cost at 0.04% with larger investments in consumer staples, financials, health and industrials. Compared...

After holding a 70/30 allocation ratio where stock losses this year were usually much higher than bond losses with only a few short stock gains finally shifted to a 30/70 mix. It has definitely decreased the almost steady market losses but know this is not where I want to be long term...

We will both be 64 this year and into our 2nd year of retirement. Just met with our Accountant to review if we should convert our Vanguard IRAs to Roth IRAs. The value will be about $1.15 million next year and $1.5+ at 71. Was expecting to convert 100% next year as we only took a 2.5%...

I am recently new to the forum but did not see any past threads addressing bidding of services (internet, cellphone, heating oil, insurance, landscape services, insurance, secure senior discounts, etc.) which can add easy tax free money to your pocket. My work career did include assimilation of...

New to the forum and we just completed our first year of retirement. Our original plan was to retire at 63/64 and have no loans. We ended up retiring earlier at 61/61 due to a restructuring at my company with $2 million split 50/50 in Vanguard/Savings, health coverage under my wife's school...