Message Font: Serif | Sans-Serif
UnThreaded | Threaded | Whole Thread (2) | Ignore Thread Prev | Next
Author: rjm1 Big red star, 1000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 19371  
Subject: Re: planning help, please Date: 7/4/2000 5:25 PM
Post New | Post Reply | Reply Later | Create Poll . Report this Post | Recommend it!
Recommendations: 0
When we decide to begin using our savings, how should we do that? Income from bonds?
The taxes, if we sell, will be a killer. Suppose we use the IRA and 410K equity funds to build a 'laddered' bond portfolio
and draw from that? Does that make sense? Is it do-able?
It's nice enough to have $400K or so built up, but preserving the value while trying to get to a position of using the
money seems to be a real ponderable.

Once you determin how much you want in bonds it does make sence to have the bonds in the IRA since everythig you take out is subject to regular tax. Have stocks outside as the gain will only be taxed at 20% max when you sell.

You say taxes will be a killer when you sell. They (capital gains)are less than your regular income tax on your salary.
Post New | Post Reply | Reply Later | Create Poll . Report this Post | Recommend it!
Print the post  
UnThreaded | Threaded | Whole Thread (2) | Ignore Thread Prev | Next


Pencils of Promise - Back to School Drive
"Pencils of Promise works with communities across the globe to build schools and create programs that provide education opportunities for children."
Managing Your Wealth
Our own TMFHockeypop from Rule Your Retirement fame on the TV show Managing Your Wealth.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
Community Home
Speak Your Mind, Start Your Blog, Rate Your Stocks

Community Team Fools - who are those TMF's?
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and "#1 Media Company to Work For" (BusinessInsider 2011)! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.