I would recommend that you also look at the net present value of your pension (if applicable) and social security and put that in the bond column. Omitting those “assets” would otherwise cause you to be under allocate equities. It is easy to calculate that in a spreadsheet by estimating how long you will collect it (estimate on the lower side to be conservative) and discount the cash flow at 6% or so. It may seem high now, but over the longer haul, that should be a decent number for this estimate. Good luck!
11:14 am May 8, 2012
Gen44er wrote:
I am 21, I want an easy job with the Government, I don’t feel like saving any money ever, and I want to retire early without a care in the world, which I want to travel extensively. What should I do?
11:50 am May 8, 2012
cujo wrote:
Gen44er, vote for obama
OMG
12:12 pm May 8, 2012
Bunda wrote:
Gen 44er, Join the Navy, you’ll get to travel extensively, on your shore leave you’ll be able to spend all your money
3:09 pm May 8, 2012
A.D. wrote:
Buying bonds is risky. Interest rates WILL RISE and bonds will FALL.
4:11 pm May 8, 2012
Gen44er wrote:
Cujo: done
Bunda: navy sounds like too much work. maybe tsa or ice? can you send me sample application to navy tho, would like to see and maybe copy later or have girlfrend copy.
4:53 pm May 10, 2012
drdoom wrote:
Stock dividends are not even close to being guaranteed. They can be slashed or eliminated at the drop of a hat. Just look at GE, PFE, BA, and more recently FTR.
12:43 pm May 11, 2012
Mr. Frugal wrote:
If you have sufficient retirement funds saved, you can be more aggressive than the lame “match your bond investment percentage to your age” recommendation. My portfolio has done very well these past 35 years so with sufficient investment assets I am only allocating my investment in bonds to half my age (32% at age 64), especially while bond yields have been driven into the basement by Bernanke. I am also well diversified in foreign and emerging market stocks and bonds as well as commodities (both hard and soft).
5:42 pm May 12, 2012
H. Craig Bradley wrote:
BOND MARKET INTEREST SPIKE
If the Treasury should find itself without sufficient buyers of our debt, then either the FED must step in as buyer of last resort, as Ben Bernanke has been steadily doing for four years now, or interest rates must increase- alot. A bond market crisis, like we had in the late seventies (300 basis point increase), remains a possibility according to retired Fed Chairman Alan Greenspan. It could happen quickly and would destroy capital by causing bond principal losses and stock market declines. A recession would follow, with a 2009 like collapse of commodity markets and a slew of U.S.BANK failures, as well.
5:51 pm May 12, 2012
Anonymous wrote:
DOOMSDAY ANYONE ?
Yep, the dreaded global deflationary depression some have been warning about, but which has failed to occur, thus far.
5:53 pm May 12, 2012
H. Craig Bradley wrote:
THE QE’s & THE D.T.’s
At the same time, others have a competing scenario: Hyperinflaton and civil anarchy caused by copious central bank money printing.
5:58 pm May 12, 2012
H. Craig Bradley wrote:
“Interesting Times”
Remember the Old U.S.BANK television ad of “When Pigs Can Fly”?
(Little piggies were seen with wings flying about in the sky). Now U.S.BANK has another ad with lame U.S.Bank logos flying about town with the slogan “Things are looking Up”. Well, not for U.S. Bank customers who get .3% APR on their money while at the same time receive a 7% charge if they use bank-supplied “overdraft protection” on their checking account ( at userus interest rates).
12:04 pm May 14, 2012
Peter1520 wrote:
Gen44er – Move to Cuba.
4:54 pm May 15, 2012
Anon wrote:
Gen44
Run for mayor of small town. You’ll likely get Federal funding for public projects. The possibilities are endless for your family and friends.
5:04 pm May 15, 2012
Bruce wrote:
more pablam from so called financial planners, what a bunch of (fee based) morons
9:37 am May 17, 2012
Anonymous wrote:
You want a simple strategy for “balancing” you retirement investments? Invest enough money into Social Security, TIPS, I-Bonds etc. that the income generated covers your basic needs and desires. Then and only then start investing in stocks.
When you were working – your biggest asset was “you”. Now that you are retired that asset is gone. Secure yuor retirement income with inflation protected, government secured income before risking your future in the stock market.
5:37 pm May 24, 2012
down in Brasil wrote:
don’t touch bonds; stocks suck too; travel a little and look for opportunities- Christ, get a life, read Jim Rodgers, Ben Graham…all you losers invest like clueless widows. Buy an armored 4×4 and an armalite and come down to S. America.
5:31 pm August 25, 2012
Coby wrote:
Heard about this website from my finerd. He pointed me right here and told me I’d find what I require. He was correct! I acquired all the questions I had, answered. Did not even get lengthy to seek out it. Love the truth that you produced it so easy for people like me.
I WOULD LIKE TO HAVE COMMENT ON RETIREMENT SAVINGS TO KEEP WITH INFLATION I AM 77 AND HAVE 60% STOCK AND 40% BONDS AND MUTUAL FUNDS.HOW WILL i NEED TO REGULATE S&B TO MAKE MY MONEY LAST APROX 600,000.
You've been randomly selected to participate in an online survey. Your answers will be strictly used for research purposes. Respondents who complete this survey will be entered into a drawing to win one (1) of ten (10) Amazon Gift Cards, valued at $100 each.
I would recommend that you also look at the net present value of your pension (if applicable) and social security and put that in the bond column. Omitting those “assets” would otherwise cause you to be under allocate equities. It is easy to calculate that in a spreadsheet by estimating how long you will collect it (estimate on the lower side to be conservative) and discount the cash flow at 6% or so. It may seem high now, but over the longer haul, that should be a decent number for this estimate. Good luck!
I am 21, I want an easy job with the Government, I don’t feel like saving any money ever, and I want to retire early without a care in the world, which I want to travel extensively. What should I do?
Gen44er, vote for obama
OMG
Gen 44er, Join the Navy, you’ll get to travel extensively, on your shore leave you’ll be able to spend all your money
Buying bonds is risky. Interest rates WILL RISE and bonds will FALL.
Cujo: done
Bunda: navy sounds like too much work. maybe tsa or ice? can you send me sample application to navy tho, would like to see and maybe copy later or have girlfrend copy.
Stock dividends are not even close to being guaranteed. They can be slashed or eliminated at the drop of a hat. Just look at GE, PFE, BA, and more recently FTR.
If you have sufficient retirement funds saved, you can be more aggressive than the lame “match your bond investment percentage to your age” recommendation. My portfolio has done very well these past 35 years so with sufficient investment assets I am only allocating my investment in bonds to half my age (32% at age 64), especially while bond yields have been driven into the basement by Bernanke. I am also well diversified in foreign and emerging market stocks and bonds as well as commodities (both hard and soft).
BOND MARKET INTEREST SPIKE
If the Treasury should find itself without sufficient buyers of our debt, then either the FED must step in as buyer of last resort, as Ben Bernanke has been steadily doing for four years now, or interest rates must increase- alot. A bond market crisis, like we had in the late seventies (300 basis point increase), remains a possibility according to retired Fed Chairman Alan Greenspan. It could happen quickly and would destroy capital by causing bond principal losses and stock market declines. A recession would follow, with a 2009 like collapse of commodity markets and a slew of U.S.BANK failures, as well.
DOOMSDAY ANYONE ?
Yep, the dreaded global deflationary depression some have been warning about, but which has failed to occur, thus far.
THE QE’s & THE D.T.’s
At the same time, others have a competing scenario: Hyperinflaton and civil anarchy caused by copious central bank money printing.
“Interesting Times”
Remember the Old U.S.BANK television ad of “When Pigs Can Fly”?
(Little piggies were seen with wings flying about in the sky). Now U.S.BANK has another ad with lame U.S.Bank logos flying about town with the slogan “Things are looking Up”. Well, not for U.S. Bank customers who get .3% APR on their money while at the same time receive a 7% charge if they use bank-supplied “overdraft protection” on their checking account ( at userus interest rates).
Gen44er – Move to Cuba.
Gen44
Run for mayor of small town. You’ll likely get Federal funding for public projects. The possibilities are endless for your family and friends.
more pablam from so called financial planners, what a bunch of (fee based) morons
You want a simple strategy for “balancing” you retirement investments? Invest enough money into Social Security, TIPS, I-Bonds etc. that the income generated covers your basic needs and desires. Then and only then start investing in stocks.
When you were working – your biggest asset was “you”. Now that you are retired that asset is gone. Secure yuor retirement income with inflation protected, government secured income before risking your future in the stock market.
don’t touch bonds; stocks suck too; travel a little and look for opportunities- Christ, get a life, read Jim Rodgers, Ben Graham…all you losers invest like clueless widows. Buy an armored 4×4 and an armalite and come down to S. America.
Heard about this website from my finerd. He pointed me right here and told me I’d find what I require. He was correct! I acquired all the questions I had, answered. Did not even get lengthy to seek out it. Love the truth that you produced it so easy for people like me.
I am sorry, it not absolutely approaches me. Who else, what can prompt?
I WOULD LIKE TO HAVE COMMENT ON RETIREMENT SAVINGS TO KEEP WITH INFLATION I AM 77 AND HAVE 60% STOCK AND 40% BONDS AND MUTUAL FUNDS.HOW WILL i NEED TO REGULATE S&B TO MAKE MY MONEY LAST APROX 600,000.