NOTE: I asked this at ERE but didn't get a response so I'm also asking here.
I was reading this article by Dividend Mantra and it struck a chord. Basically he keeps 100% of his ER money in taxable accounts because he doesn't get a match from his employer (so no free money) and other reasons.
http://www.dividendmantra.com/2013/08/why-i-hold-100-of-my-equity-investments/If all goes well I would like to be ER at 45. I also would like to avoid any hassle and am currently in a low (but not lowest) tax bracket. Based on what coworkers of mine had to deal with just to get their money out of our own 403b when they were actually at retirement age, I'm a bit worried.
Yes, I know the tax savings consequences, but if I have a hard time getting my money, what's the point?
But my REAL questions are: Has anyone actually done the SEPP 72t, where you get your retirement income early via "substantially equal periodic payments"?
Was there any hassle dealing with the company holding the fund itself?
Did you get about what you expected in terms of payout?
Any other surprises?
Basically I'm trying to find out how much of a hassle it would be to actually get the money once I decide to retire 15-20 years earlier than expected.
Sorry if this has been asked and answered already. I searched and couldn't find it.