The Money Mustache Community

General Discussion => Throw Down the Gauntlet => Topic started by: ACyclist on December 15, 2018, 11:37:40 AM

Title: CDs for our monthly income during beginning fire years
Post by: ACyclist on December 15, 2018, 11:37:40 AM

We want to start buying cds for maturity in 5 years. There are also funds in VTMFX, and real estate REITS, etc. in taxable trading accounts.

This is a bunch of cash that we got from selling a rental. We have 137K to invest.  Much is going into stocks.

Our pre-tax stuff goes into stocks, and market related.  Does anyone have accrual cash reserves in their retirement accounts?

Title: Re: CDs for our monthly income during beginning fire years
Post by: LetItGrow on December 15, 2018, 01:39:04 PM

As part of our overall plan we have some CDs, just rolling over every seven years. Put our IRA funds in every year for nine years, now just letting it ride and rollover until retirement. We also have bonds in 401k accounts, and some other CDs in taxable that is about 2% of our allocation.  We have not fully worked out the cash streams yet for bridging to SS. We have work pensions that have an option to pay more until SS age. Haven't done any calculations yet, but need to in about five years.