# Retirement Investing **URL:** https://discussion.fool.com/c/investing-strategies/retirement-investing/70.md?page=7 [Latest](https://discussion.fool.com/latest.md) · [Categories](https://discussion.fool.com/categories.md) · [Tags](https://discussion.fool.com/tags.md) **Page:** 8 --- ## [Best Place for Idle Cash?](https://discussion.fool.com/t/best-place-for-idle-cash/74951)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 2\ **Last updated:** [September 15, 2022, 11:40pm UTC](https://discussion.fool.com/t/best-place-for-idle-cash/74951 "2022-09-15T23:40:34Z")
Here’s another tidbit that will likely upset aj. Someone asked me this morning what I’m doing with my “idle cash”. He had just bought a 3-month US Treasury Bill at 3% rather than letting it sit in a MMF at 1.5%. I did… --- ## [Rent vs. Buy](https://discussion.fool.com/t/rent-vs-buy/74853)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 4\ **Last updated:** [September 14, 2022, 1:32am UTC](https://discussion.fool.com/t/rent-vs-buy/74853 "2022-09-14T01:32:35Z")
WSJ had an excellent article this morning on the perils of buying a vacation home. Ironically, the “Financial Samurai” provided outstanding advice. For Every Vacation-Home Fantasy, There Is a Harsh Financial Reality ht… --- ## [Downsizing gotchas](https://discussion.fool.com/t/downsizing-gotchas/74759)
**Author:** [@WendyBG](https://discussion.fool.com/u/WendyBG)\ **Replies:** 6\ **Last updated:** [September 13, 2022, 9:54am UTC](https://discussion.fool.com/t/downsizing-gotchas/74759 "2022-09-13T09:54:04Z")
Many retirees downsize. Here are descriptions of gotchas for pre-planning. https://www.nytimes.com/2022/09/09/business/retirement/retir… \*\*Downsizing in Retirement: Expenses They Didn’t Expect\*\* \*\*On the way to spendi… --- ## [7702 account](https://discussion.fool.com/t/7702-account/74375)
**Author:** [@thejusticier](https://discussion.fool.com/u/thejusticier)\ **Replies:** 22\ **Last updated:** [September 12, 2022, 7:34pm UTC](https://discussion.fool.com/t/7702-account/74375 "2022-09-12T19:34:08Z")
This question is about where to put the retirement money to minimize tax. Does anyone here uses a 7702? what are the pro and cons for such account? and can the fees be low enough? tj --- ## [marriage penalty](https://discussion.fool.com/t/marriage-penalty/74519)
**Author:** [@1poorguy](https://discussion.fool.com/u/1poorguy)\ **Replies:** 25\ **Last updated:** [September 12, 2022, 12:00pm UTC](https://discussion.fool.com/t/marriage-penalty/74519 "2022-09-12T12:00:44Z")
Found this article interesting. Advantages to divorcing in your golden years. https://www.marketwatch.com/story/the-crushing-financial-pen… --- ## [one investment house](https://discussion.fool.com/t/one-investment-house/74746)
**Author:** [@ursula2012](https://discussion.fool.com/u/ursula2012)\ **Replies:** 12\ **Last updated:** [September 11, 2022, 5:35pm UTC](https://discussion.fool.com/t/one-investment-house/74746 "2022-09-11T17:35:33Z")
I am looking for opinions on the danger of keeping all your retirement money in one investment bank (e.g. Fidelity) versus spreading it in multiple ones (e.g. Schwab, Vanguard). Obviously there are insurance implication… --- ## [How's your plan working?](https://discussion.fool.com/t/hows-your-plan-working/74585)
**Author:** [@CMFDoubtingThom](https://discussion.fool.com/u/CMFDoubtingThom)\ **Replies:** 20\ **Last updated:** [September 11, 2022, 11:34am UTC](https://discussion.fool.com/t/hows-your-plan-working/74585 "2022-09-11T11:34:24Z")
How is your plan working? I am currently transitioning into “full” retirement. Seems like bad timing. The last eight months have been brutal for investors - no way to candy coat it. My stock portfolio was off around 30%… --- ## [What's Up With Quicken](https://discussion.fool.com/t/whats-up-with-quicken/74751)
**Author:** [@ImAGolfer](https://discussion.fool.com/u/ImAGolfer)\ **Replies:** 3\ **Last updated:** [September 11, 2022, 9:29am UTC](https://discussion.fool.com/t/whats-up-with-quicken/74751 "2022-09-11T09:29:36Z")
What’s going on with Quicken? I’ve been posting to Quicken “Elan Financial Services” which is the name used on my Fidelity credit card. I’ve been using “Elan Financial Services” for a couple of years now. All of a sudden… --- ## [What's The Real Deal on Ray Dalio](https://discussion.fool.com/t/whats-the-real-deal-on-ray-dalio/74631)
**Author:** [@Daryll44](https://discussion.fool.com/u/Daryll44)\ **Replies:** 4\ **Last updated:** [September 9, 2022, 4:22pm UTC](https://discussion.fool.com/t/whats-the-real-deal-on-ray-dalio/74631 "2022-09-09T16:22:19Z")
I keep reading/watching videos by Ray Dalio. I can’t get tell of he’s credible or just a doom and gloomer of the current era. (There are ALWAYS doom and gloomers. Warren Buffet taught us to get rich by ignoring them. Th… --- ## [Ques on rollover IRA to Roth](https://discussion.fool.com/t/ques-on-rollover-ira-to-roth/74650)
**Author:** [@TerryMcK](https://discussion.fool.com/u/TerryMcK)\ **Replies:** 4\ **Last updated:** [September 9, 2022, 3:09pm UTC](https://discussion.fool.com/t/ques-on-rollover-ira-to-roth/74650 "2022-09-09T15:09:10Z")
My late wife had a small retirement account and that was rolled over into a Rollover IRA that is now in my name. I have already taken out the MRD for this year. Can I transfer any funds from the Rollover IRA into my Ro… --- ## [Economist vs. Popular Financial Advice](https://discussion.fool.com/t/economist-vs-popular-financial-advice/74611)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 9\ **Last updated:** [September 7, 2022, 11:36pm UTC](https://discussion.fool.com/t/economist-vs-popular-financial-advice/74611 "2022-09-07T23:36:42Z")
Yale School of Management economist James Choi reviews some popular financial advice. https://www.nber.org/papers/w30395?utm\_source=npr\_newsletter… One surprise was that he tells his MBA students (who will all likely… --- ## [CASH and bonds](https://discussion.fool.com/t/cash-and-bonds/74583)
**Author:** [@thejusticier](https://discussion.fool.com/u/thejusticier)\ **Replies:** 8\ **Last updated:** [September 7, 2022, 2:44pm UTC](https://discussion.fool.com/t/cash-and-bonds/74583 "2022-09-07T14:44:33Z")
Hi, I am wondering where best to park cash for 1 to 2 years. I see CDs return around 2%. Anyone sees better than 2.5% CDs? It seems that Treasury bills seems to be better at \>3% for the 1 year bill. I already put the … --- ## [Guardrail](https://discussion.fool.com/t/guardrail/74515)
**Author:** [@thejusticier](https://discussion.fool.com/u/thejusticier)\ **Replies:** 19\ **Last updated:** [September 6, 2022, 4:33pm UTC](https://discussion.fool.com/t/guardrail/74515 "2022-09-06T16:33:38Z")
I have a question about the guardrail method for safe withdrawal rate. It says that if the withdrawal rate is between initial withdrawal rate (IWR) 1.2 and IWR0.8 then we take the initial withdrawal. If outside these bo… --- ## [Tax Planning For EV Tax Credits](https://discussion.fool.com/t/tax-planning-for-ev-tax-credits/74199)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 58\ **Last updated:** [September 6, 2022, 9:26am UTC](https://discussion.fool.com/t/tax-planning-for-ev-tax-credits/74199 "2022-09-06T09:26:15Z")
… and it even has the WSJ’s imprimatur. What to Know About the Electric Vehicle Tax Credits, and How to Get More Money Back \[https://www.wsj.com/articles/navigating-the-new-electric-veh…\](https://www.wsj.com/articles/… --- ## [Awesome Retirement Job](https://discussion.fool.com/t/awesome-retirement-job/74523)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 1\ **Last updated:** [September 4, 2022, 3:35pm UTC](https://discussion.fool.com/t/awesome-retirement-job/74523 "2022-09-04T15:35:45Z")
Japanese man who gets paid to ‘do nothing’ https://youtu.be/SxW9M1Uozng intercst --- ## [Why Americans Won't Do Chips](https://discussion.fool.com/t/why-americans-wont-do-chips/74524)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 0\ **Last updated:** [September 4, 2022, 2:57am UTC](https://discussion.fool.com/t/why-americans-wont-do-chips/74524 "2022-09-04T02:57:24Z")
Insider reviews the semiconductor industry workplace culture and Taiwanese-owned TSMC in particular. https://youtu.be/jlAWx\_X5opA intercst --- ## [Good News on SWR](https://discussion.fool.com/t/good-news-on-swr/74385)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 11\ **Last updated:** [September 3, 2022, 7:57pm UTC](https://discussion.fool.com/t/good-news-on-swr/74385 "2022-09-03T19:57:36Z")
… there’s less chance that the average American will run out of money in retirement. US life expectancy dropped in 2021 for second consecutive year https://www.theguardian.com/us-news/2022/aug/31/us-life-expe… inter… --- ## [IRS Processing Rate](https://discussion.fool.com/t/irs-processing-rate/74439)
**Author:** [@bighairymike](https://discussion.fool.com/u/bighairymike)\ **Replies:** 8\ **Last updated:** [September 3, 2022, 3:57pm UTC](https://discussion.fool.com/t/irs-processing-rate/74439 "2022-09-03T15:57:42Z")
There was a thread a while back (too hard to go back and find) where somebody had been waiting on a refund and asked if others were also experiencing lengthy waits. Anyway, FWIW, I paper mailed my 2021 return on March 2… --- ## [conversion to Roth](https://discussion.fool.com/t/conversion-to-roth/74383)
**Author:** [@culcha](https://discussion.fool.com/u/culcha)\ **Replies:** 2\ **Last updated:** [August 31, 2022, 6:55pm UTC](https://discussion.fool.com/t/conversion-to-roth/74383 "2022-08-31T18:55:20Z")
I plan to do a conversion from my TIRA to my Roth IRA. My question is whether the only thing that can be converted in this case is CASH – i.e., dollars. Then, I’d have to sell some of the actual holdings in my TIRA and t… --- ## [Rich FIRE People Saving Money](https://discussion.fool.com/t/rich-fire-people-saving-money/74390)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 0\ **Last updated:** [August 31, 2022, 6:35pm UTC](https://discussion.fool.com/t/rich-fire-people-saving-money/74390 "2022-08-31T18:35:10Z")
… I liked the guy who accepts Door Dash assignments when it’s on his way to the grocery store. Another guy found a $1,000 refrigerator tossed to the curb on his daily walk. About 3 weeks ago there was an office building… --- ## [TreasuryDirect](https://discussion.fool.com/t/treasurydirect/74244)
**Author:** [@thejusticier](https://discussion.fool.com/u/thejusticier)\ **Replies:** 7\ **Last updated:** [August 31, 2022, 4:13pm UTC](https://discussion.fool.com/t/treasurydirect/74244 "2022-08-31T16:13:59Z")
Anyone here uses Treasury direct accounts to buy I-bonds, and bills and notes? Have you ever been locked out of your account or not have the OTP sent to you email? The phone line is taking an eternity to get answered. … --- ## [Suboptimal Economic Thinking](https://discussion.fool.com/t/suboptimal-economic-thinking/74382)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 0\ **Last updated:** [August 31, 2022, 3:21pm UTC](https://discussion.fool.com/t/suboptimal-economic-thinking/74382 "2022-08-31T15:21:36Z")
Nobel Laureate and behavioral economist Daniel Kahneman explains “narrow framing”. Says Professor Kahneman, “People frame things narrowly in the sense that they save and borrow at the same time instead of somehow treati… --- ## [withdrawal strategies](https://discussion.fool.com/t/withdrawal-strategies/74085)
**Author:** [@thejusticier](https://discussion.fool.com/u/thejusticier)\ **Replies:** 19\ **Last updated:** [August 28, 2022, 12:45pm UTC](https://discussion.fool.com/t/withdrawal-strategies/74085 "2022-08-28T12:45:50Z")
pertaining to portfolio safe withdrawal rate, who is using the guardrail method? Anyone does a mix and match of flexible withdrawal strategies?is that advised? Is withdrawing the minimum you can, always good for your p… --- ## [Health](https://discussion.fool.com/t/health/73634)
**Author:** [@reallyalldone](https://discussion.fool.com/u/reallyalldone)\ **Replies:** 29\ **Last updated:** [August 26, 2022, 10:50pm UTC](https://discussion.fool.com/t/health/73634 "2022-08-26T22:50:57Z")
It would be interesting if there was much more emphasis on maintaining health than negotiating drug prices. Some issues may not be helped but there are quite a few that can be impacted. Sorry - no news link but everyone… --- ## [company loyalty](https://discussion.fool.com/t/company-loyalty/74029)
**Author:** [@1poorguy](https://discussion.fool.com/u/1poorguy)\ **Replies:** 27\ **Last updated:** [August 26, 2022, 10:15pm UTC](https://discussion.fool.com/t/company-loyalty/74029 "2022-08-26T22:15:18Z")
…makes you poor…changing jobs frequently is better for your bank account, according to this guy. (He’s probably right.) https://www.cnbc.com/2022/08/18/early-retiree-shares-unpopul… --- ## [Thinking about fixed-income allocation](https://discussion.fool.com/t/thinking-about-fixed-income-allocation/74168)
**Author:** [@Rayvt](https://discussion.fool.com/u/Rayvt)\ **Replies:** 9\ **Last updated:** [August 26, 2022, 2:54pm UTC](https://discussion.fool.com/t/thinking-about-fixed-income-allocation/74168 "2022-08-26T14:54:54Z")
Thinking about fixed-income allocation I have one IRA portfolio dedicated to income-type investments. Preferred stocks, income CEFs & ETFs, etc. This is my fixed-income asset allocation. Yields ranging from 5.09% (NRGX)… --- ## [Poll: age of retirement](https://discussion.fool.com/t/poll-age-of-retirement/73789)
**Author:** [@culcha](https://discussion.fool.com/u/culcha)\ **Replies:** 13\ **Last updated:** [August 20, 2022, 2:30pm UTC](https://discussion.fool.com/t/poll-age-of-retirement/73789 "2022-08-20T14:30:03Z")
What was you age when you retired? poll --- ## [RRIs = Retirement Related Initialisms](https://discussion.fool.com/t/rris-retirement-related-initialisms/74025)
**Author:** [@PucksFool](https://discussion.fool.com/u/PucksFool)\ **Replies:** 0\ **Last updated:** [August 19, 2022, 6:31pm UTC](https://discussion.fool.com/t/rris-retirement-related-initialisms/74025 "2022-08-19T18:31:48Z")
https://www.irahelp.com/slottreport/retirement-account-score… --- ## [Poll: Belated Happy Birthday Social Security](https://discussion.fool.com/t/poll-belated-happy-birthday-social-security/73968)
**Author:** [@PucksFool](https://discussion.fool.com/u/PucksFool)\ **Replies:** 0\ **Last updated:** [August 18, 2022, 8:19am UTC](https://discussion.fool.com/t/poll-belated-happy-birthday-social-security/73968 "2022-08-18T08:19:19Z")
On Sunday, August 14, Social Security celebrated it 87th birthday. From the SSA’s website, “69.1 million people received benefits from programs administered by the Social Security Administration (SSA) in 2019.” Most of u… --- ## [Vanguard Announces New Brokerage Fees](https://discussion.fool.com/t/vanguard-announces-new-brokerage-fees/73755)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 7\ **Last updated:** [August 17, 2022, 11:21pm UTC](https://discussion.fool.com/t/vanguard-announces-new-brokerage-fees/73755 "2022-08-17T23:21:00Z")
Just got a letter today. https://investor.vanguard.com/client-benefits/account-fees intercst [Previous page](https://discussion.fool.com/c/investing-strategies/retirement-investing/70.md?page=6) [Next page](https://discussion.fool.com/c/investing-strategies/retirement-investing/70.md?page=8)