Here's the situation:
I have enough in various IRAs the I expect to be able to maintain current lifestyle with a 3% WD rate from them. IRAs are invested 60-40, stock-equities in Vang. Index Funds, very closely modeled after a typical Bernstein tax deferred allocation strategy.. pretty simple there .
it's the After-Tax money strategy I'm scratching my head over...
I have 250K in After-Tax money, and I'd like to leave 50K in a money market as my 1 year emergency fund, which will be more than enough when combined with my SS. I could do CD ladders with that, but the rate of return is not worth the hassle IMO. but I'm open to suggestions there..
that leaves me with the 200K that I'd like to make something on, 2-3% would be nice. I've got about 150K of it in MMs, (local bank, and Vang.), and have bought
about 50K in VANG. STAR FUND, on little bitty market dips.
What are your thoughts on STAR FUND, (which more-or-less allocates bonds-equities wishing the fund) vs. other vehicles for investing this money?
Marginal Tax Rate will be managed at 15% Fed, and 6.5% NY State, BTW.
Thank you in advance.
I have enough in various IRAs the I expect to be able to maintain current lifestyle with a 3% WD rate from them. IRAs are invested 60-40, stock-equities in Vang. Index Funds, very closely modeled after a typical Bernstein tax deferred allocation strategy.. pretty simple there .
it's the After-Tax money strategy I'm scratching my head over...
I have 250K in After-Tax money, and I'd like to leave 50K in a money market as my 1 year emergency fund, which will be more than enough when combined with my SS. I could do CD ladders with that, but the rate of return is not worth the hassle IMO. but I'm open to suggestions there..
that leaves me with the 200K that I'd like to make something on, 2-3% would be nice. I've got about 150K of it in MMs, (local bank, and Vang.), and have bought
about 50K in VANG. STAR FUND, on little bitty market dips.
What are your thoughts on STAR FUND, (which more-or-less allocates bonds-equities wishing the fund) vs. other vehicles for investing this money?
Marginal Tax Rate will be managed at 15% Fed, and 6.5% NY State, BTW.
Thank you in advance.