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re: Retirement investment options and expected return
Posted on 5/13/24 at 7:14 am to RedlandsTiger
Posted on 5/13/24 at 7:14 am to RedlandsTiger
Do not chase yield. Thank me later.
1
Posted on 5/13/24 at 3:44 pm to ShermanTxTiger
Assuming you’re mid 60’s,50-60% in a total market fund, the balance in laddered treasuries (ratio depends on risk tolerance, could even go 40/60). Rebalance every year. This assumes you already have a 6-12 month emergency fund.
Posted on 5/13/24 at 3:48 pm to FriscoTiger
quote:
What is the catch with "Ishares high yield yearly maturing ETFs". Almost sounds like a CD?
If you’re talking about the Ishares iBonds, I like them and use them in an inherited IRA. Just be sure you hold them to maturity.
Posted on 5/13/24 at 4:36 pm to ShermanTxTiger
Posted on 5/13/24 at 4:43 pm to 98eagle
Not a bad strategy except for one thing ….. risk isn’t part of your consideration
Posted on 5/14/24 at 7:01 am to FriscoTiger
No. It's an ETF. Here's a link to Morningstar; LINK
Morningstar rates it as a 5 star and Silver. Low risk at 18 (coservative) and high return vs. category. It averages a 7.24% yield.
Morningstar rates it as a 5 star and Silver. Low risk at 18 (coservative) and high return vs. category. It averages a 7.24% yield.
Posted on 5/14/24 at 7:03 am to slackster
See above, it's an ETF that's has a low risk, high yield rating by Morningstar.
This post was edited on 5/14/24 at 7:05 am
Posted on 5/14/24 at 7:50 am to ShermanTxTiger
Well, I wouldn't just throw annuities under the bus. Depends on what type.
We converted a sizeable portion of our IRAs to annuities about 10 years ago. Still do 401k at work and have a couple of ROTH IRA accounts, but most of the retirement money is in annuities.
We heavily researched this option and worked with our financial planner to make the transition. Why? The thinking was we'd done well with our investments but didn't want the potential risk of a market downturn and have to deal with that. Too old to ride it out and recover, which we'd done a few times in our lives.
Annuities provide a source of lifetime retirement income. And they're not all the same. Inflation-Adjusted Annuities provide a payment stream that adjusts with inflation. Unlike regular fixed annuities, they offer a built-in cost-of-living adjustment based on the Consumer Price Index (CPI). This ensures a real rate of return that matches or exceeds the rate of inflation.
Outside of that, we have several other mutual funds and ETFs. JEPQ is one of the better ones and has a dividend yield of around 8.92% JP Morgan.
Non-retirement, the bulk is in stock (UHN).
Dividend Stock Article.
We converted a sizeable portion of our IRAs to annuities about 10 years ago. Still do 401k at work and have a couple of ROTH IRA accounts, but most of the retirement money is in annuities.
We heavily researched this option and worked with our financial planner to make the transition. Why? The thinking was we'd done well with our investments but didn't want the potential risk of a market downturn and have to deal with that. Too old to ride it out and recover, which we'd done a few times in our lives.
Annuities provide a source of lifetime retirement income. And they're not all the same. Inflation-Adjusted Annuities provide a payment stream that adjusts with inflation. Unlike regular fixed annuities, they offer a built-in cost-of-living adjustment based on the Consumer Price Index (CPI). This ensures a real rate of return that matches or exceeds the rate of inflation.
Outside of that, we have several other mutual funds and ETFs. JEPQ is one of the better ones and has a dividend yield of around 8.92% JP Morgan.
Non-retirement, the bulk is in stock (UHN).
Dividend Stock Article.
This post was edited on 5/14/24 at 7:55 am
Posted on 5/14/24 at 5:17 pm to Nole Man
quote:
Well, I wouldn't just throw annuities under the bus. Depends on what type. We converted a sizeable portion of our IRAs to annuities about 10 years ago. Still do 401k at work and have a couple of ROTH IRA accounts, but most of the retirement money is in annuities. We heavily researched this option and worked with our financial planner to make the transition. Why? The thinking was we'd done well with our investments but didn't want the potential risk of a market downturn and have to deal with that. Too old to ride it out and recover, which we'd done a few times in our lives. Annuities provide a source of lifetime retirement income. And they're not all the same. Inflation-Adjusted Annuities provide a payment stream that adjusts with inflation. Unlike regular fixed annuities, they offer a built-in cost-of-living adjustment based on the Consumer Price Index (CPI). This ensures a real rate of return that matches or exceeds the rate of inflation. Outside of that, we have several other mutual funds and ETFs. JEPQ is one of the better ones and has a dividend yield of around 8.92% JP Morgan. Non-retirement, the bulk is in stock (UHN). Dividend Stock Article.
I have no idea what any of that shite means
I guess I’ll figure it out when I get closer to retirement.
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