u/FigDifferent6506

I’m 61 . Will take 4% annually starting at age 64. I’m going to self manage at fidelity starting this week. I’ll be moving 1,150,000 to fidelity and setting up a long term portfolio. Looking to set it forget it accept for rebalancing. I’m looking to be a moderate risk and wanting some growth over the years. Here’s what I’m thinking 35% VOO 10% SCHD 20 % VXUS 25 % BND and 10% SPAXX. I’ll reinvest interest and dividends for 36-40 months until I retire. Then take SS. I have a pension also but will still need 4% from this account.

I’m moving a traditional Ira to vanguard. Age 61. Semi retired. I will invest via a 70/20/10 portfolio. They charge..30% per year- so around 4000 for my 1.2 m. I’m fairly comfortable with investing and keeping my simple portfolio balanced. I also am fairly comfortable with withdrawing from the appropriate bucket of my three bucket plan. I will need about 2% over the next 3 1/2 years and then probably 4% after that. I’m thinking 60% s/p 500 index fund. 20% total market index bond, 10% money market. I do have an appointment this Friday to speak with an advisor for the second time they will be coming up with a plan for these parameters that I shared. I currently pay 1.1% fee fees, but I really don’t want to pay any. I’m also willing to learn as I go. Can someone or anyone help me make up my mind if I need to pay them to manage it or not I’m leaning towards managing it myself, but I don’t want to make a stupid decision. Also, I will not panic if the market drops.

I’m 61 and semi retired. Tired of paying an advisor 1.1% fees to manage my traditional Ira. I’m thinking of self managing it with fidelity with simple index funds. I’ve recently learned of the the 3 fund strategy and believe it could work well for my situation. I’m leaning towards a 70-20-10 portfolio. 50%sp500 20% international stocks 20%bonds and 10% cash. I’m looking for some growth and 8-10% returns. Any advice would be appreciated. Do I need to pay fidelity. .89% or can I do just as well on my own. I’m comfortable rebalancing a simple portfolio. Whatever funds I buy I plan to hold for 20-30 years starting to take 4% at age 65 when I file for SS