Hello I'm thinking a few years down the road. I'm 52 hoping to retire at 56 but I'm not sure whats the best way to withdraw the money I will need. lets say I need 40k a year. Should I sell 40K of one stock once a year in Jan or any other month or sell $3300 every month from one stock or should I sell $3300 from stock A then the following month sell $3300 from stock B and then stock C and so on? If I do it this way every month I will be paying $.4.95 in fees and that will add up. I guess I can use the same strategy when I have to start taking from my tax fee accounts. I plan to start converting my IRA and 401K to my ROTH as soon I retire.
 
Any ideas? How do you do it?
 
thanks

According to Social Security I qualify for $2788 in 2 years when I retire. If I choose to delay taking my benefit until I am 70 do I qualify for the 8% per year increment or $3680.00 per year.

Does anybody have any insights into the future of Micron Semi (MU).  It has had a very good run up in the past year, but seems to be unable to recapture its highs.  The stock screener shows very favorable long term sentiment and unfavorable short and mid term sentiment.

I inherited an IRA with $500K in cash and I am torn about how to invest it.  I'd like to end up with this extra money in a somewhat conservative, diversified portfolio.  But how do I get from A to B?  I am uncomfortable jumping into the stock market right now after such a long run and with all the talk of imminent/inevitable correction.   And with interest rates going up, maybe bonds aren't exactly the best buy right now either.  I am thinking to buy a CD ladder and then dollar-cost-average my way in to stock and bond mutual funds over the next year.  Is there a better way?  What would you do? 

Some have already mentioned the Fidelity estate planner. After looking at it, one has to login first, no problem.
 
For our needs I have used Nolo com for many estate questions and even bought several of their books for probate and handing executor duties. You may want to review.
 
The Fidelity site, "Estate Planner" after login does offer Quick Guides and FAQs that cover a lot of material in one place. I did not enter my information into the web page, but mainly looked to learn. I also noticed in the browser tab a timeclock (16:35 minutes until your session ends). This is Windows 10, Microsoft Edge. If I change to a new review area, the timeclock seems to restart. This is a very extensive webpage area for fidelity customers.
 
Again, I did not complete any of the "Plan", but just looks around. You may want to do the same.

I am still a decade or two from retirement.  I am curious if anyone on here retired overseas and their opinions on it?  It seems most of the people on this forum are pretty comfortable in their retirement, where many of the expats I read about on other forums do so out of financial need.  I am curious how it is for those that move by choice.

How have you assembled your portfolio? Index funds and set it and forget it? Do you follow a predetermined sector allocation for diversity and then attempt to maximize growth and dividends under that constraint? Do you just buy stocks you like, irrespective of sectors/diversity, trying to hit a predetermined target, ie., growth or dividend yield?  Maybe some hybrid methodology you learned in MBA school? What is YOUR style?

I am approaching retirement somewhere in my late 50s (anywhere from 6 months to 4 years from now for me, 2 to 6 years for my wife) and would like to not worry about  generating income to cover a mortgage once I'm there.  I'd be fine having an account sitting there generating guaranteed income to pay for the mortgage if I continued to profit from it.
 
My mortgage stats:
 
Owe:                  $157,000
Final payment:  10/2027
Interest rate:     2.75%
Monthly P&I:      $1662
 
2018 tax brackets:
Federal:        32%
State:            6.37%
Combined:    38.37%
Future bracket after retirement would be pure speculation.  I may be in another state by then.  I'll probably be delaying social security and living off taxable investments for a while after my wife retires, but not sure how much will be taxable.  I'll also have a modest corporate pension of $1800-$3000/month (depends on how long I delay it and if I take a lump sum payment for a portion of it)
 
I am currently sitting on $160,000 cash (earning 1.45%, temporarily in a savings account) that I can use to pay off the mortgage.  The money was previously in bond funds which I don't want to hold in a rising interest environment, so this was part of my [relatively] "safe" money.
 
So here's my question:  Should I pay off the mortgage or not?  Given current CD rates, I can put the cash away in a CD ladder and anything over 3 years from now will be paying more than the cost of the mortgage.  I expect that under the new tax laws however, I will be taking a standard deduction, so  the 10 year 3.45% taxable CD will only yield (after 38% tax) about 2.14% income given my 2018 tax bracket.  I am guessing I will be taking the standard deduction with the new tax structure and if I do, there would be no tax benefit to the mortgage interest.
 
Since I don't want to think about how to cover the mortgage payments, if I don't pay off immediately, I would like keep the money in something guaranteed.  Fidelity's CD rates are listed below.
   

The bottom line is that this is a really good problem to have - should I use cash to pay off my mortgage since I plan to retire before 60....I'm just not sure how the math would work out best for me.

 
Thanks in advance for any thoughts / advice!

is it a good idea to automatically reinvest dividend and capital gain in mutual funds or should one do on your own at appropriate time?

Okay maybe I'm crazy but here's my question: I am 54 years old and about to retire with a decent pension and a good amount of money saved. The problem here is I want a Mustang! Am I wrong in thinking that I could finance this with up to a $500 a month payment right out of my brokerage account and I wouldn't even know I was paying it! The $500 a month does not even represent .01% of my savings and assuming a minimal amount of interest made on the account it would be like I wouldn't even notice it. Am I crazy or has anyone else ever done something like this!
 
Mustang fever