I'm 50/50 stocks/bonds. Yes the NAV of the bond funds fell in 2022, but the monthly interest payments went up. I'm finally getting a decent monthly income from my bond funds. I redirected that money into a money market fund and will take my RMD from. If stocks remain high I may use some of that.
I saved a lot in tax deferred accounts because I expected to have a lower income in retirement. Not so! This year I have to take RMD and that will push me into IRMMA surcharge territory plus state and local income taxes. The only way out is Qualified Charitable Distributions. I'm wondering if doing one massive Roth conversion in one year would be a good idea?
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I'm 50/50 stocks/bonds. Yes the NAV of the bond funds fell in 2022, but the monthly interest payments went up. I'm finally getting a decent monthly income from my bond funds. I redirected that money into a money market fund and will take my RMD from. If stocks remain high I may use some of that.
Post: Staying Rational
Link to comment from April 18, 2026
Me too, along with crypto.
Post: Stock Tokens
Link to comment from April 11, 2026
I saved a lot in tax deferred accounts because I expected to have a lower income in retirement. Not so! This year I have to take RMD and that will push me into IRMMA surcharge territory plus state and local income taxes. The only way out is Qualified Charitable Distributions. I'm wondering if doing one massive Roth conversion in one year would be a good idea?
Post: Tax Smart Retirement
Link to comment from March 7, 2026