# Retirement Investing **URL:** https://discussion.fool.com/c/investing-strategies/retirement-investing/70.md?page=8 [Latest](https://discussion.fool.com/latest.md) · [Categories](https://discussion.fool.com/categories.md) · [Tags](https://discussion.fool.com/tags.md) **Page:** 9 --- ## [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 --- ## [The 45-yr-old Fake Early Retiree](https://discussion.fool.com/t/the-45-yr-old-fake-early-retiree/73362)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 6\ **Last updated:** [August 15, 2022, 1:17pm UTC](https://discussion.fool.com/t/the-45-yr-old-fake-early-retiree/73362 "2022-08-15T13:17:11Z")
I never followed this guy, but it’s apparent to me that if you’re trying to run a blog to generate significant income, it’s going to be much more time consuming than spending 20 minutes at year-end rebalancing a portfoli… --- ## [Savings account now pays 1.6%](https://discussion.fool.com/t/savings-account-now-pays-1-6/73408)
**Author:** [@Rayvt](https://discussion.fool.com/u/Rayvt)\ **Replies:** 10\ **Last updated:** [August 12, 2022, 4:24pm UTC](https://discussion.fool.com/t/savings-account-now-pays-1-6/73408 "2022-08-12T16:24:12Z")
My two major savings account banks are raising their rates, bouncing back and forth. Ally just jumped up to 1.60%. Discover Bank is 1.5%, they don’t email me when they change their rate, but the other two do. My other… --- ## [Is the 4% rule still valid?](https://discussion.fool.com/t/is-the-4-rule-still-valid/73741)
**Author:** [@mendomann](https://discussion.fool.com/u/mendomann)\ **Replies:** 6\ **Last updated:** [August 12, 2022, 3:58pm UTC](https://discussion.fool.com/t/is-the-4-rule-still-valid/73741 "2022-08-12T15:58:12Z")
https://www.nytimes.com/2015/05/09/your-money/some-new-math-… --- ## [Preferred Stock question](https://discussion.fool.com/t/preferred-stock-question/73472)
**Author:** [@Funwopt](https://discussion.fool.com/u/Funwopt)\ **Replies:** 7\ **Last updated:** [August 11, 2022, 6:26pm UTC](https://discussion.fool.com/t/preferred-stock-question/73472 "2022-08-11T18:26:21Z")
Hi everyone, My parents almost exclusively utilized preferred stocks in retirement. However, today I do not hear anyone talking about them. In fact, my broker doesn’t seem to highlight them either. They have a screener … --- ## [Medicare part II](https://discussion.fool.com/t/medicare-part-ii/73558)
**Author:** [@wolferd1](https://discussion.fool.com/u/wolferd1)\ **Replies:** 23\ **Last updated:** [August 10, 2022, 8:11pm UTC](https://discussion.fool.com/t/medicare-part-ii/73558 "2022-08-10T20:11:30Z")
Partly due to 1pg’s questions about Medicare, I have a question. What is it with the increased interest in Medicare being able to negotiate prices on prescription drugs? Stand alone Medicare doesn’t even cover prescript… --- ## [Consolidate 403b](https://discussion.fool.com/t/consolidate-403b/73610)
**Author:** [@bridgewater](https://discussion.fool.com/u/bridgewater)\ **Replies:** 5\ **Last updated:** [August 10, 2022, 11:06am UTC](https://discussion.fool.com/t/consolidate-403b/73610 "2022-08-10T11:06:50Z")
My daughter has two 403b at two hospitals where she used to work. Can she consolidate them to a new 403b either at Fidelity or the 403b at her new employer ? Thanks --- ## [Unlimited Price Gouging in Generic Drugs ](https://discussion.fool.com/t/unlimited-price-gouging-in-generic-drugs/73631)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 0\ **Last updated:** [August 9, 2022, 9:35pm UTC](https://discussion.fool.com/t/unlimited-price-gouging-in-generic-drugs/73631 "2022-08-09T21:35:37Z")
Nice review of drug pricing in Medicare Part D by the Washington Post last Sunday. A dizzying tour of Medicare’s drug pricing labyrinth https://www.washingtonpost.com/outlook/2022/08/05/medicare-p… About 90% of the p… --- ## [Family makes $177,000 renting their pool](https://discussion.fool.com/t/family-makes-177-000-renting-their-pool/73365)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 23\ **Last updated:** [August 9, 2022, 1:19pm UTC](https://discussion.fool.com/t/family-makes-177-000-renting-their-pool/73365 "2022-08-09T13:19:28Z")
Of course, it’s not all gravy. They spent $37,000 on pool chemicals and maintenance. https://www.cnbc.com/2022/07/21/swimply-side-hustle-making-m… Also noticed that some high-end hotels are now charging a $200 fee to… --- ## [Growth portfolio in retirement](https://discussion.fool.com/t/growth-portfolio-in-retirement/72645)
**Author:** [@thejusticier](https://discussion.fool.com/u/thejusticier)\ **Replies:** 127\ **Last updated:** [August 8, 2022, 5:10pm UTC](https://discussion.fool.com/t/growth-portfolio-in-retirement/72645 "2022-08-08T17:10:30Z")
I have an individual stock portfolio that I want to derive income to cover all my expenses in retirement. It is composed of mainly growth stocks. The portfolio has sunk 50% since its last high attained last November 202… --- ## [Medicare](https://discussion.fool.com/t/medicare/73454)
**Author:** [@1poorguy](https://discussion.fool.com/u/1poorguy)\ **Replies:** 14\ **Last updated:** [August 8, 2022, 9:26am UTC](https://discussion.fool.com/t/medicare/73454 "2022-08-08T09:26:55Z")
So, someone flagged 1poorlady about Medicare Part C. Not that we’re eligible yet, but 1poormom is on Medicare and has dental issues (i.e. bad teeth, but she still has the teeth). She was told Part C covers it. Mom was al… --- ## [Innumerate Citizenry/Legislators—End of a ](https://discussion.fool.com/t/innumerate-citizenry-legislators-end-of-a/73417)
**Author:** [@tjscott0](https://discussion.fool.com/u/tjscott0)\ **Replies:** 6\ **Last updated:** [August 5, 2022, 5:03pm UTC](https://discussion.fool.com/t/innumerate-citizenry-legislators-end-of-a/73417 "2022-08-05T17:03:51Z")
https://mattstoller.substack.com/p/nancy-pelosi-china-and-th… an obscure military bureaucrat named Cameron Holt Holt is the head of acquisitions for the Air Force, which means he oversees the buying of everything from … --- ## [Rats Beat Humans on Innumeracy Test](https://discussion.fool.com/t/rats-beat-humans-on-innumeracy-test/73416)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 0\ **Last updated:** [August 4, 2022, 10:11pm UTC](https://discussion.fool.com/t/rats-beat-humans-on-innumeracy-test/73416 "2022-08-04T22:11:45Z")
Interesting video on the 4 requirements for developing expertise, and why there isn’t such an animal as “investment expertise”. Rat test is 10 minutes into the video. https://youtu.be/5eW6Eagr9XA interct --- ## [Another Social Security question](https://discussion.fool.com/t/another-social-security-question/73022)
**Author:** [@dusty2004](https://discussion.fool.com/u/dusty2004)\ **Replies:** 6\ **Last updated:** [August 2, 2022, 7:35pm UTC](https://discussion.fool.com/t/another-social-security-question/73022 "2022-08-02T19:35:48Z")
If a spouse takes her Social Security at 62 she will receive a decrease amount. If her spouse delays taking his social until 70 he will receive an increased amount. If he passes away after receiving the increased amoun… --- ## [Social Security for wife](https://discussion.fool.com/t/social-security-for-wife/72924)
**Author:** [@thejusticier](https://discussion.fool.com/u/thejusticier)\ **Replies:** 10\ **Last updated:** [August 1, 2022, 6:25pm UTC](https://discussion.fool.com/t/social-security-for-wife/72924 "2022-08-01T18:25:52Z")
Hi, this may not be related to investing per se but I guess when I take social security will impact how I invest and plan for retirement. I can take social security. My wife is a homemaker and has not worked outside th… --- ## [6-figure job for your 5-year-old?](https://discussion.fool.com/t/6-figure-job-for-your-5-year-old/73242)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 3\ **Last updated:** [August 1, 2022, 12:31pm UTC](https://discussion.fool.com/t/6-figure-job-for-your-5-year-old/73242 "2022-08-01T12:31:07Z")
… it’s a great way to fund a Roth IRA and get a couple of extra decades of compounded investment returns, plus the job comes with outstanding dental coverage. They’ll also let you “work from home”. This company wants to… --- ## [more HSA fun](https://discussion.fool.com/t/more-hsa-fun/72834)
**Author:** [@1poorguy](https://discussion.fool.com/u/1poorguy)\ **Replies:** 24\ **Last updated:** [July 28, 2022, 3:36am UTC](https://discussion.fool.com/t/more-hsa-fun/72834 "2022-07-28T03:36:58Z")
I’ve been thinking about how to use this. I don’t think it will be a great investment vehicle, even with the brokerage options. We didn’t have it long enough to contribute that much. So we were thinking… We can start pa… --- ## [Question about stock buying](https://discussion.fool.com/t/question-about-stock-buying/73006)
**Author:** [@esxokm](https://discussion.fool.com/u/esxokm)\ **Replies:** 5\ **Last updated:** [July 26, 2022, 10:37pm UTC](https://discussion.fool.com/t/question-about-stock-buying/73006 "2022-07-26T22:37:13Z")
Was suggested to post this question here instead of the tax board: I am fairly certain I am okay here, but just wanted to be sure: I assume I am not violating rules by essentially wanting to move a stock from one Roth … --- ## [Women's retirement = slush fund?](https://discussion.fool.com/t/womens-retirement-slush-fund/72920)
**Author:** [@WendyBG](https://discussion.fool.com/u/WendyBG)\ **Replies:** 3\ **Last updated:** [July 24, 2022, 3:14pm UTC](https://discussion.fool.com/t/womens-retirement-slush-fund/72920 "2022-07-24T15:14:41Z")
This article shows how social and emotional pressures on women can cause them to withdraw money from their retirement accounts, turning them into a family slush fund. I saw this while preparing taxes for a very sweet (p… --- ## [The Joys of a Stock Market Decline](https://discussion.fool.com/t/the-joys-of-a-stock-market-decline/72725)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 13\ **Last updated:** [July 24, 2022, 11:57am UTC](https://discussion.fool.com/t/the-joys-of-a-stock-market-decline/72725 "2022-07-24T11:57:22Z")
A Roth IRA conversion can be a big tax win when retirement portfolio loses value https://www.cnbc.com/2022/07/19/why-roth-ira-is-tax-winner-w… Minimizing “the skim” of taxes. intercst --- ## [STRIPs](https://discussion.fool.com/t/strips/72902)
**Author:** [@richinaz](https://discussion.fool.com/u/richinaz)\ **Replies:** 0\ **Last updated:** [July 23, 2022, 7:41am UTC](https://discussion.fool.com/t/strips/72902 "2022-07-23T07:41:07Z")
I’ve heard older relatives mention zero-coupon bonds and I recently saw someone talk about STRIPs (Separate Trading of Registered Interest and Principal security). Googling, I’m still a bit confused. It seems like you ca… --- ## [Barry Ritholtz's 10 principles of investing](https://discussion.fool.com/t/barry-ritholtzs-10-principles-of-investing/72798)
**Author:** [@PucksFool](https://discussion.fool.com/u/PucksFool)\ **Replies:** 2\ **Last updated:** [July 22, 2022, 3:32pm UTC](https://discussion.fool.com/t/barry-ritholtzs-10-principles-of-investing/72798 "2022-07-22T15:32:49Z")
https://ritholtz.com/2022/05/my-investing-philosophy-in-a-nu… \*\*1. Stock picking is exceedingly difficult:\*\* \*\*2. Market Timing is even harder:\*\* \*\*3. We are oblivious to our own cognitive shortcomings:\*\* \*\*4. Behavi… --- ## [Cash Management in retirement](https://discussion.fool.com/t/cash-management-in-retirement/72382)
**Author:** [@thejusticier](https://discussion.fool.com/u/thejusticier)\ **Replies:** 18\ **Last updated:** [July 19, 2022, 11:59am UTC](https://discussion.fool.com/t/cash-management-in-retirement/72382 "2022-07-19T11:59:12Z")
A retiree who is mainly using his or her portfolio to generate the cashflow needed for living expenses maintains a 3 to 5 years cash cushion. What are the best vehicles to maximize the cash yield when waiting in cushion? … --- ## [How to manage a retirement portfolio?](https://discussion.fool.com/t/how-to-manage-a-retirement-portfolio/72142)
**Author:** [@thejusticier](https://discussion.fool.com/u/thejusticier)\ **Replies:** 91\ **Last updated:** [July 18, 2022, 12:36pm UTC](https://discussion.fool.com/t/how-to-manage-a-retirement-portfolio/72142 "2022-07-18T12:36:39Z")
Hi, I am 54 yol. I want to retire in the next year or two. I have had a career, saved, and maxed my 401K (I have no pension) every year since I graduated from grad school almost 3 decades ago. Since I started working I… --- ## [A different 4% rule](https://discussion.fool.com/t/a-different-4-rule/71670)
**Author:** [@NozRydr](https://discussion.fool.com/u/NozRydr)\ **Replies:** 44\ **Last updated:** [July 11, 2022, 12:24pm UTC](https://discussion.fool.com/t/a-different-4-rule/71670 "2022-07-11T12:24:35Z")
I may be the dumbest fool in the room but fwiw… Feel free to try to change my mind. I’m always open to input from adult supervision. :slight\_smile: I apply a different 4% rule to my accounts – an average of 4% in annual… --- ## [It’s Bobby Bonilla Day](https://discussion.fool.com/t/it-s-bobby-bonilla-day/72266)
**Author:** [@intercst](https://discussion.fool.com/u/intercst)\ **Replies:** 3\ **Last updated:** [July 9, 2022, 11:32am UTC](https://discussion.fool.com/t/it-s-bobby-bonilla-day/72266 "2022-07-09T11:32:13Z")
It’s Bobby Bonilla Day, When the Retired Mets Star Gets Paid $1,193,248.20 https://www.wsj.com/articles/bobby-bonilla-day-commemorates-… Every July 1, the former Major League slugger gets paid — a ‘landmark deal’ spann… --- ## [U. S. "I" Bonds To Buy and Hold](https://discussion.fool.com/t/u-s-i-bonds-to-buy-and-hold/71939)
**Author:** [@RetiredVermonter](https://discussion.fool.com/u/RetiredVermonter)\ **Replies:** 8\ **Last updated:** [July 6, 2022, 3:58pm UTC](https://discussion.fool.com/t/u-s-i-bonds-to-buy-and-hold/71939 "2022-07-06T15:58:13Z")
Good deal now or maybe not? Thoughts welcome… Vermonter --- ## [The upside of a down market](https://discussion.fool.com/t/the-upside-of-a-down-market/71758)
**Author:** [@PucksFool](https://discussion.fool.com/u/PucksFool)\ **Replies:** 10\ **Last updated:** [June 30, 2022, 12:53pm UTC](https://discussion.fool.com/t/the-upside-of-a-down-market/71758 "2022-06-30T12:53:33Z")
If you are buying into the market, almost everything is on sale and your investment dollar is going further than it did 6 months ago. If you have to take RMDs, your RMD and tax bill look to be lower this year than l… --- ## [Oddity With Recent Fido Purchase](https://discussion.fool.com/t/oddity-with-recent-fido-purchase/71894)
**Author:** [@ImAGolfer](https://discussion.fool.com/u/ImAGolfer)\ **Replies:** 9\ **Last updated:** [June 30, 2022, 2:09am UTC](https://discussion.fool.com/t/oddity-with-recent-fido-purchase/71894 "2022-06-30T02:09:15Z")
I need some help with a recent purchase I made on Fidelity. Since the beginning of the year I have been transferring $500 to Fidelity and shortly after the funds arrive I’ve been making partial share purchases of Amazon.… --- ## [Doubled my 401K contributions ](https://discussion.fool.com/t/doubled-my-401k-contributions/71771)
**Author:** [@StockGoddess](https://discussion.fool.com/u/StockGoddess)\ **Replies:** 9\ **Last updated:** [June 27, 2022, 3:41pm UTC](https://discussion.fool.com/t/doubled-my-401k-contributions/71771 "2022-06-27T15:41:50Z")
Went to a work Meeting last Friday and they brought in the 401K guy to comfort everyone about the down market. 29% drop? I was the doofus who raised my hand and said I planned to increase my paycheck deductions because … [Previous page](https://discussion.fool.com/c/investing-strategies/retirement-investing/70.md?page=7) [Next page](https://discussion.fool.com/c/investing-strategies/retirement-investing/70.md?page=9)