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Retirement Saving for retirement - questions about pensions and pension schemes, 401k's, public and private company pensions, and other saving schemes.

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Old 09-04-2017, 03:51 AM
Perfectly Frank Perfectly Frank is offline
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Join Date: Dec 2015
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Default Retirement soon, transfer all stocks to stable value fund?

I'm 62 and will retire in 5 years. The total for my 401k and 457 just reached $400,000. I also have a company pension and will receive Social security.

My 401k/457 contains a mix of various stock funds.
For safety, I'm thinking of transferring all of the money into a stable value fund. Future contributions ($15000 per year) will also go to the stable value fund.

I crunched the numbers, and $400,000 into the stable value fund will return about $28,000/year. Add in the $15,000 I put in each year, my 401k/457 would grow by $33,000 per year.

Ok, I would lose out in stock market growth, but gain stability. Good idea or bad?
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