Skip to main content
No. of Recommendations: 0
I'll not be able to tap my IRA and 401K for another 14 months.I was thinking to invest the $ into ......Vanguard asset allocation Fund, Balance index fund or Vanguard Star Fund or divide the money amongst them........I'll need 1500 a month. Is it feasible to 14months I'll have to relocate my funds in the same fashion preserva
tion of capital and income

As the other posters have pointed out, your current living expenses should never be invested in the stock market. Depending on how conservative you are, you should remove from the stock market enough money to cover 2 to 5 years' worth of expenses & put that into Bonds/CDs/Money mkt funds, etc. In your case ($1.5K/mo) that translates into between $36K to $90K which should not be in the market.

You don't mention the size of your 401k & IRA. Just be aware that "safe" withdrawal rates are in the 3-5% of your portfolio per year range.

Try reading up on early retirement at:

Print the post  


The Retirement Investing Board
This is the board for all discussions related to Investing for and during retirement. To keep the board relevant and Foolish to everyone, please avoid making any posts pertaining to political partisanship. Fool on and Retire on!
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
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.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! 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.