Retiree questions on portfolio rebalancing and retirement accounts
A retiree with a 1 million hybrid portfolio asks about bear market withdrawals, cash reserves, and simple withdrawal rules to extend longevity. The piece advises maintaining a cash reserve, using rules like the Wade Plan, and notes Social Security and Navy pension coverage. It also covers a teacher with a 403(b) and Roth IRA, recommending renewed Roth contributions and cautious 403(b) distributions, outlining contribution limits and tax considerations.
MENTIONED IN THIS ARTICLE
Standard & Poor
Fed
J.M. A
Navy
Wade
Retirementresearcher
Franklin Templeton
Roth
Vanguard
K.J
Akron
Ohio
Roth Ira
Benefits UICCU offers no interest loan relief to workers
The Gazette reports Iowa’s largest credit union, University of Iowa Community Credit Union, began a no interest refinancing benefit for employees on Sept. 1. With average 2015 graduate debt around 35,000 dollars, employees could cut five year interest to zero, lowering debt to about 13,220 dollars while keeping same monthly payments. Human Resources Director Sue Freeman notes several staff have already used the benefit. UICCU holds assets near 3 billion and serves about 130,000 members with 14 branches and planned expansions.
MENTIONED IN THIS ARTICLE
Iowa
University of Iowa Community Credit Union
Wall Street Journal
UICCU
Sue Freeman
Cedar Rapids
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