Skip to main content
No. of Recommendations: 1
culcha asks,

I don't even have a million dollar retirement portfolio -- but I'm interested in the planning. Can give some specifics? --Or is it all explained on your website?


It's really pretty simple.

Delay SS and any pensions to age 65.

Limit interest and dividend income as much as possible in favor of funding living expenses with capital gains and tax-fee returns of capital. (Non-dividend paying stocks like BRK are a Godsend.)

Many retirees have a fairly large fixed income allocation. If it's in a taxable account, you can spend down some of that to fund living expenses without much of an income tax liability -- heck it might even provide a capital loss to offset income from elsewhere.

If you plan ahead, you can spread out any portfolio changes over multiple years to lessen any tax impact.

Obamacare makes it easier for millionaires to retire early?


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.