Here's a statement of the obvious: The opinions expressed here are those of the participants, not those of the Mutual Fund Observer. We cannot vouch for the accuracy or appropriateness of any of it, though we do encourage civility and good humor.
@MikeM, @Crash:
Remember you are pooling your longevity risk with other annuity owners and so the "longevity of your single premium" (@$100K) lives and dies with your longevity or that of your spouse. Most annuities do not pay a death benefit. Also …
Thanks for the comparison. I think it might be one way of evaluating DSEEX potential downside risk. Not sure I could have held onto MWATX through that downdraft.
@msf, MWATX "alpha" over the S&P 500 TR shown here is pretty impressive:
Not the case during the this 2.5 year time frame (Mar 2008 - Sept 2010) when MWATX experienced a 16 percent deeper trough than the S&P 500 TR:
Seems like MWATX's …
@msf, interesting that you mention Delta as a company with a "no layoff" policy. Wondering now if the bankruptcy in mid-2000's was strategic in the sense that no one was "laid off", pension obligation were dissolved in bankruptcy, and the "critical …
@LLJB, more to digest and very helpful "big picture" approach which in the end is what I am attempting to achieve. Your point related to the potential for a span of low returns years needs to be weighed against the adjustments a budget can "live wit…
@BenWP,
I am presently spending the annuity as it comes in. As you mention, all of this is before taxes and all will be potentially taxable.
My distribution approach will be to spend down (starting at 59.5) taxable IRAs in combination with taxable…
@MikeM,
When setting up a CD Ladder do I have my math correct
-use going rates for each rung (5 CD, durations 1- 5 years)
- Fund the CD with appropriate cash to distribute cash needed yearly (in my case $1K growing at 4%)
Using Bankrate CD rates I …
@Mike M,
Thanks for chiming in. Yes, I see your point...just supplement from other retirement resources. And yes this would be an "Annuity COLA bucket". I too am finding that my retirement components (Pension + Annuity) are meeting my present needs,…
Article in the Importance of staying ahead of inflation, especially on a fixed income (retired):
https://money.usnews.com/investing/investing-101/articles/2017-09-12/inflation-proof-your-retirement
XHB and IYR are two ETFs that are exposed to this sector.
Seeking Alpha Article:
iShares U.S. Real Estate ETF (IYR) has delivered a NEGATIVE total return (-2.9%) over the last year, while the S&P 500 and Nasdaq have gained +17.7% and +28.9%, re…
Written a few years ago, but I pretty good explanation of why not to worry...
Worst case scenario? The US dollar might depreciate against some other currency. That’s a long-shot but it could happen. Will that push up US interest rates? Doubtful. The…
Investing.com combines the S&P 500 Futures with "News of the Day"...hover over the "N" of the chart linked.
https://investing.com/indices/us-spx-500-futures
What's that saying? "Buy the Rumor...sell the News", but a lot of news these days is T…
@rono...I will keep your carb burning in mind. Also, a dog is a great workout partner and companion in retirement. Thanks.
Also, I wanted to link one of @Ted's articles from Jonathan Clement...thanks Ted.
From the article:
Right now, at age 18, 50…
Bee, would like opinions on dividends only and little or no capital gains needed.All funds are in two roth ira,s. Ages 85 and82 husband & wife. Zero Debt very low six digit figures. fidelity is our manager. Maybe edit this Question so others …
Taxes due on a Roth conversion initiated in 2018 will come due in April of 2019.
As far as RMDs, here's one of Fidelity FAQ (Fidelity FAQ Link):
Your first RMD calculation is based on your total IRA balances on December 31st of the year prior t…
PONDX (PIMIX, PONCX, etc.) manager Dan Ivascyn is interviewed on:
Weathering Volatility and Preparing for Offense
weathering-volatility-and-preparing-for-offense
Thanks @Sven, hopefully others will add to this thread regarding retirement topics.
Here's another T Rowe Price Podcast on Estate Planning. Something many of us are neglectful in setting up, forgetful in revisiting, and fearful to share with loved…
T Rowe Price and The Washington Post have created a pod cast series linked here called the:
The Confident Wallet
One of the first episodes / articles relates to:
Building a retirement strategy
It's challenging to focus on something that seems so fa…
The heavy hitters of PAXOS, a Blockchain startup, that Ms Blair is a board member.
https://paxos.com/our-team
And PAXOS internal Blockchain News Feed:
https://paxos.com/repository
@msf,
Note that you'd likely want "European style" options - ones that can be exercised only at their expiration date - since the whole idea is that you won't have to sell your portfolio before you move or before you're ready to close.
I could imag…
Thanks @Chinfist...though a new fund, ARTTX ranks #1 in M* Large Blend category (3month & YTD). I'll keep an eye on this one. At $32 M AUM...it has some room to grow.
Also, David featured ARTTX in July 2017 (scroll down a ways to read his art…
By Just typing in the word "retirement" in the MFO search box a wealth of retirement discussions and links are available to you.
Scroll down to "next" button at the bottom of the search page for earlier dated threads...it goes back and back and bac…
@JoJo26,
Interesting. I thought the whole point of target date funds was that they were a one stop shop...
Tweaking a little growth (staying ahead of inflation) was my thought here as well as simplicity.
I kinda think a single target date retirem…
My unconventional Bucket #1 in retirement would utilize target date funds.
Bucket #1 would arrive in 5 year increments using target date funds that are spread out over retirement. If I were retiring in 2020...Bucket #1 would be renamed (Bucket 2020…
Nothing wrong with the question from @circa33...hope Crash's comments doesn't chase you away from MFO.
@hank comments reminds me of the up-swell of divesting pressure college students put on college endowments in the early 1960"s with regard to So…
