Giving up my stocks..

[Arya Stark]

Originally Posted by ColoradoOnMyMind

I lost brain cells reading that original post

UR welcome!

[k374]

Originally Posted by EmilyFoxSeaton

Oh ok never mind. But I still think it is a scam.

owning 1 or 2 crappy stocks isn't representative of the market and it is against the core principal of investing which calls for diversification. You should've sold those stocks a created a diversified portfolio.

[Lizap]

Originally Posted by mathjak107

whether you use a immediate annuity or not is not really relevant as much as the allocation is over all . how you divide up the bond budget and whether you put more or less money in to bonds or use immediate annuities as a proxy for bonds only deals with the fixed income side .

the over all allocation still has to be matched to your draw and needs regardless and the equity allocation chosen that meets your needs .

Both are important, and should be part of an overall financial plan for many retirees.