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smr1082

Sundar Rao   Sundar retired after a four-decade career as a research and development engineer. He lives in a 55-plus community. His interests include investing, digital painting, reading, writing and gardening. In addition to his Forum posts and comments, shown below, be sure to check out his writer's page where his articles are listed.

    Forum Posts:

    What life lessons would you like to pass on to the next generation?

    28 replies

    AUTHOR: smr1082 on 11/17/2024
    FIRST: Winston Smith on 11/17   |   RECENT: smr1082 on 11/27

    What should be our % cash allocation in investment portfolio?

    15 replies

    AUTHOR: smr1082 on 11/6/2024
    FIRST: Brent Wilson on 11/6   |   RECENT: Winston Smith on 11/8

    Dream Retirement: Is It Fading Away?

    43 replies

    AUTHOR: smr1082 on 10/31/2024
    FIRST: Dan Smith on 11/1   |   RECENT: neyugn on 11/5

    How would you prepare for the staggering cost of in-home care if you ever need it?

    18 replies

    AUTHOR: smr1082 on 9/10/2024
    FIRST: baldscreen on 9/10   |   RECENT: parkslope on 9/15

    When you retire, should you move your retirement savings to IRA or leave it in 401K plan?

    29 replies

    AUTHOR: smr1082 on 8/11/2024
    FIRST: Nick Politakis on 8/11   |   RECENT: smr1082 on 8/17

    How to protect your retirement savings from scammers?

    44 replies

    AUTHOR: smr1082 on 7/29/2024
    FIRST: Rick Connor on 7/29   |   RECENT: Margaret Fallon on 8/7

    Signing up for pre-planned funeral services - Is it worth it?

    17 replies

    AUTHOR: smr1082 on 7/23/2024
    FIRST: baldscreen on 7/24   |   RECENT: smr1082 on 7/28

    Perils of market downturns early in retirement 

    15 replies

    AUTHOR: smr1082 on 7/19/2024
    FIRST: Sanjib Saha on 7/20   |   RECENT: Ormode on 7/22

    What Financial/ Life advice would you give a 2024 college graduate?

    16 replies

    AUTHOR: smr1082 on 6/29/2024
    FIRST: Ed Wong on 6/29   |   RECENT: Ben Rodriguez on 7/2

    Lumpsum Vs Monthly Payment - Which pension option is better?

    34 replies

    AUTHOR: smr1082 on 6/21/2024
    FIRST: steve abramowitz on 6/22   |   RECENT: mjflack on 6/28

    Comments:

    • The notion of "American Exceptionalism" is driving global investors to pile into US stocks. This could be creating a bubble. https://finance.yahoo.com/news/mother-bubbles-us-sucking-money-215345592.html

      Post: How Quickly We Forget by Jonathan Clements

      Link to comment from December 9, 2024

    • The notion of "American Exceptionalism" is driving lot of investors from around the globe to pile into US stocks. See link below: "U.S. companies now account for 70% of the leading global stock index, up from 30% in the 1980s, while the U.S. economy's share of global GDP is just 27%". This could be creating a bubble. https://finance.yahoo.com/news/mother-bubbles-us-sucking-money-215345592.html

      Post: Stuck at Home

      Link to comment from December 9, 2024

    • I think people also compare themselves with others in similar situation, when they say they are comfortable with their life. It is not desirable, as you say and I agree. It is relative to others. They cannot wish for something they will never have. They know many more who are in dire straits compared to them.

      Post: The quest for a comfortable retirement. RDQ

      Link to comment from December 3, 2024

    • This article in USA Today explores if retirees can live "comfortably" on social security alone. They have interviewed people who are trying to do it. https://www.usatoday.com/story/money/2024/11/23/can-you-retire-social-security-income-seniors/76135159007/

      Post: The quest for a comfortable retirement. RDQ

      Link to comment from December 2, 2024

    • This is true for all ages, but specially important to retirees. With a limited health span, time is more precious than ever.

      Post: What life lessons would you like to pass on to the next generation?

      Link to comment from November 27, 2024

    • Some more life lessons to ponder: To make sure opportunity knocks on the door, put in more doors. Be nice to people on the way up. You will need their help on the way down. Surround yourself with friends who are better than yourself. Invest in meaningful experiences and not material possessions Forgive and forget. Life is too short to harbor resentment for long. Never regret major decisions. Learn from it, make it work and deal with it. Remember when things go so badly for you, you still have things that others can only dream about. Be thankful for what you have. Identify role models and follow in their footsteps till you establish yourself to be a role model for many. Everything in life is temporary and can be taken away at any time. Enjoy before you lose them.

      Post: What life lessons would you like to pass on to the next generation?

      Link to comment from November 19, 2024

    • Great. Will go into my list.

      Post: What life lessons would you like to pass on to the next generation?

      Link to comment from November 17, 2024

    • Agree this is a moving walkway, just watch out for those bumps and pot holes! Great perspective on retirement! While I enjoyed my job, I am thankful more for the financial security for retirement it provided.

      Post: Enjoy the moving walkway, embrace retirement, don’t look back RDQ

      Link to comment from November 13, 2024

    • Agree, money market funds are not suitable for long-term investment goals as they don't offer capital appreciation. The record inflow in to money market funds in last two years may be due to attractive yields.

      Post: What should be our % cash allocation in investment portfolio?

      Link to comment from November 8, 2024

    • This link you provided is so useful. Takes the stress out of such tests.

      Post: It’s Better to Know by Marjorie Kondrack

      Link to comment from November 8, 2024

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