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This is directed to those who are already taking their Required distribution and have no other earned income other than social secuirty and some interest/dividends and are in the 10-15% tax bracket. What do you find is the most tax advantaged way to invest the taxable account? As you know, if...

Interesting commentary. Got me thinking that maybe this would be a good time to have about a 100% fixed income portfolio, at least for the next year or two. I am now retired at 75. Time for Income: Time for Bonds? -- Seeking Alpha? What do you think? If you agree, what would you hold?

This would be a great year for some to convert their IRA to a Roth, or at least some of it. That is if you are not taking the MRD since not necessary this year. I am going to check how it would affect my income taxes since I would only take as much as would keep me in 15% tax bracket and my...

For those of you already in retirement and using a core bond fund for some of monthly income, which fund are you holding? I noticed that the funds that use lehman Aggregate as the index are heavily into government securities and mortgages, so last week was not a good week. Do you stick with your...

This is my first year not having earned income. I don't really understand how FireCalc can use my total investment accounts taxable and tax free to determine how much I can take each year. Is there something in the program that handles the taxes part? Also taxes for social security. I probobly...

Is anyone familiar with the 10 year averaging for those born before 1936? Does this pertain to distributions after age 70 1/2 and a lower tax rate? Please explain if this does includ distributions and how it works.

I am 74 and retireing in about 6 months. Thought I'd look in to a small immediate annuity for some of the fixed income part. Anyone out there have one they are happy with? I realize they cannot be left in your estate for the kids. Is that still the case?Other than that, what are other downsides...

Just for conversation. Looks pretty good now. Any better ideas? JustForFunds: S&P Model Low-Risk Preservation Portfolio

If I decide to take 4% from investments in retirement, is the minimum required distribution considered as part of that? For instance if I have $600,000 and 4% is $24,000 and my minimum MRD is already $24,000, have I overdrawn? That is all I am taking because I still earn income at age 74. From...

I read an article from Financial Planning on maintaining a low correlation among a portfolio's asset in the distribution phase etc. It was written by Craig Israelsen, PhD, Brigham Young Universtiy. The bottom line is the results of 8 different porfolios and the best being a Seven-Asset...

I have a different situation by still earning income and now 74 years old. I have not had to take income from my investments and have used the maximum from IRA distributions to fund Roth IRA for wife and I for past 4 years. We have a mostly equity portfolio of mutual funds and individual stocks...

and Indians and Cavaliers. I came across this website because someone on another website used the term FIRE Port and I went to google and it came up with Financially Independent Retire Early website, so here I am. I want to learn about that so please get me started. I am 73 and still working as...