No. of Recommendations: 2
I read this board every day just because of threads like this.

I find myself in an early retirement situation for medical reasons and expect to draw medical benefits for about 2 more years. I am 51 years of age. When this occured to me about 8 months ago I had a portfolio of
100% stock mutual funds I immediately sold 85% and put into MM and Penfed CD's. My plan is to increase my stocks holdings to 25% as market conditions allow. The tricky part as discussed here is to
reduce my MM exposure and lock in rates. Since half my money is in
401k/Roth Fidelity, buying brokerage CD's are not that inviting.


I like Lokicious see that we can limit our risk and still be just fine. We have enough to make it work for our lifestyle by earning 5.25%.
I based that on 3% inflation. So real return beyond inflation only needs to be 2.25%. Even though I am counting on some Social Security I did reduce it by 50% just to increase the margin of safety.

Reading other posters like Lokicous helps reasure me that others are thinking along the same lines. My investment in PenFed was a direct result of this board. TIPs are on my hit list.

I am generally just a reader of these post but I just wanted to share a little and to thank Lokicious, and others for all the helpful discussion.

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