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Jul 26, 2008 12:18 pm

for fun-- please share an investment stategy for an avg 500k r/o invested for the avg 65 retiree in the 25% bracket who will not tap it for income in the foreseeable future and has a moderate risk tolerance, and hopes to have much of it to pass on if possible. Please do not attack the way the question is phrased; have not given it much thought.

Jul 26, 2008 2:03 pm

Married? Children?  Life insurance in place?  LTC policy in place?  Why doesn’t he need income now?  If working, how much current income?  How is health?  Any other retirement income sources (pension, part time work)?  How much income does client feel he needs? How many obligations does client have? When (foreseeable future in no specific enough)is client needing income for the rollover?  Is client charitable?  Which is more important, comfortable retirement or legacy gift?  This is some of the information needed to to answer your question. 

Jul 27, 2008 2:58 am

I dunno, make it up. whatever.

Jul 27, 2008 3:14 am


I dunno, make it up. whatever.

[/quote]   That is what is amusing.  First guy says "VA", second guy says "No way would I do a VA", when each person may fill in the blanks with their own assumptions, they could both be right or wrong.  Plus, they are arguing about it.  Kudos if you did it on purpose.
Jul 27, 2008 4:50 pm

If you want us to produce hypothectical scenarios, you need to be a bit more detailed in your hypothetical case, otherwise our scenarios will be all over the place and not be able to be adquately compared.   Apples to oranges.