u/Just-Here2-Learn

Had a question asked of me today by an employee and didn't know the answer, so wanted to ask here. He has a taxable account of 1.2, but a 401k of 300k. He is wanting to step back to part time and is 48 years old. His question is when calculating for a SWR should he do 1.5 million with 401k included or just the taxable portfolio since he isn't 59 yet. I know there are ways to take 401k early but didn't know the rules. Opinions on how you would calculate it

Hello everyone, question on bonds. People use bonds as a measure to sale when the market is down to buy more equities. My question is if you are holding say 20% or your portfolio in bonds, are you selecting the reinvesting option or do you let those payouts go to HYSA to buy more equities? I know we are supposed to rebalance, so figured I would reinvest. Just want to make sure I'm making the right choice. Thanks everyone

Is anyone selling their bond etfs? I keep hearing yield this and yield that. I left my EJ advisor in December of last year and took over my own finances through Fidelity, he had me right at a 400k spread between PIMIX, BND, and BSV. So far I'm 10%, I wanted to raise that to 20% as I plain on retiring in 4 years. I truthfully don't understand much about Bonds other than seeing negative red on my Fidelity charts from it. Can anyone help me understand if this is good, should I buy more right now, or hold off, or even sale what I have? Equities I'm good on and have that down to a science, but starting to learn the bonds side of things. Thanks for helping anyway you can.

Hey everyone want your quick opinion. I have some funds sitting in SPAXX that I have been DCA since December. My homebuilder who I have been successfully able to make money with has found another home to flip, fortunately he has a buyer already she just can't get her loan until the house is livable. My investment will be 130k with a guaranteed 160k paid to me at the 4 month closing mark. If not closed in 4 months I get to keep the house as usual. Just a little back story, now my question is I have always used cash from my investments to do this over the last 3 years, but with my DCA the last 6 months I only have about 150k in Spaxx left, if you were in my shoes would you use the heloc I have on my home which I have never used to cover the 130k, its at a 6.75 rate, or pull the funds from Spaxx? My home is paid for and has 0 debt. Thanks everyone for your opinions