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How To Calculate Your Required Minimum Distributions | Bond Laddering For Your RMDs 2024​

Oct 11, 2024 #jenniferlammer #bondbeginners #bondmasters

How to calculate your RMDs (or required minimum distributions) & build an RMD bond ladder so that may not have to worry about selling investments that you don't want to to cover those RMDs!

20:26

SOURCES:

- Fidelity's RMD Calculator: https://digital.fidelity.com/prgw/digital/rmd/#/rmdform
- Fidelity Calculator Assumptions: https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/retirement/rmd-calculator-assumptions.pdf
- Distribution period table from IRS (go to page 65 of 69): https://www.irs.gov/pub/irs-pdf/p590b.pdf

- https://www.irs.gov/publications/p590b
- https://www.federalregister.gov/documents/2024/07/19/2024-14543/required-minimum-distributions
 

Three Big 401(k) Changes Coming In 2025 | Social Security Administration: How Long Will We Live?​


Oct 22, 2024 #jenniferlammer #bondbeginners #bondmasters

Learn how you can save more next year with three supersaving 401(k) plan changes that are coming in 2025 as part of the SECURE 2.0 ACT. Plus, what are latest life expectancy numbers?

9:48

SOURCES:

https://www.milliman.com/en/insight/client-action-bulletin-secure-2-changes-in-2025
https://www.milliman.com/en/insight/2025-irs-limits-forecast-august
https://press.aarp.org/2024-4-24-New-AARP-Survey-1-in-5-Americans-Ages-50-Have-No-Retirement-Savings
https://www.ssa.gov/benefits/retirement/planner/otherthings.html?tl=1
 
 

Best High Yield Savings & Checking Accounts 2024 (Wealthfront & More!)​

Nov 11, 2024 #jenniferlammer #bondbeginners #bondmasters

5% - 6% on your money, fully-insured, even as the Fed lowers rates. Check out the best high yield savings & checking accounts of 2024 our (super)supersavers are using to stash their cash!

10:11

SOURCES:
https://www.origin.bank/performancechecking/
https://www.newtekbank.com/certificate-of-deposit/
https://www.newtekbank.com/personal/high-yield-savings/
https://www.briodirectbanking.com/high-yield-savings/
https://www.wealthfront.com/cash/boost
https://www.wealthfront.com/investing
https://support.wealthfront.com/hc/en-us/articles/360043196472-What-is-the-Wealthfront-Cash-Account
https://www.wealthfront.com/cash-account-participant-banks
https://www.viobank.com/cornerstone-money-market-savings
https://www.cfg.bank/personal-banking/personal-deposit-rates/
https://www.everbank.com/banking/performance-savings
https://www.cit.com/cit-bank/platinum-savings
 

How Long Do You Want 6%? (Best-Yielding Bond Offerings Now That The Election Is Over)​

Nov 15, 2024 #jenniferlammer #bondbeginners #bondmasters

6.25% for at least three months or 6.00% for at least three years? Which one interests you most?
Check out the top 8 new issue bond offerings after the election that we've found this week!

9:12

SOURCE: https://www.fidelity.com/

REFERENCED VIDEOS:
Corporate Bond Investing Videos: https://youtube.com/playlist?list=PLsv_4H5rP97FcOfmuWfbBZ-C24vZbmbSD&si=cZh3uBFdIItgYXsO
Agency Bond Investing Videos: https://youtube.com/playlist?list=PLsv_4H5rP97G839te4TerQ0E7jcejhnAi&si=MuszS2kkmkaTRL2l
 

Is Cash Better Than A 4.61% Money Market Fund? | Fidelity's SPAXX, Schwab's SWVXX & Vanguard's VMFXX​

Nov 18, 2024 #jenniferlammer #bondbeginners #bondmasters

What are the top money market funds (SPAXX, SWVXX & VMFXX) in our community paying right now & is a money market fund better than cash?

22:37

SOURCES:
- https://investor.vanguard.com/investment-products/money-markets
- https://www.schwab.com/money-market-funds
- https://www.fidelity.com/mutual-funds/mutual-fund-spotlights/money-market-funds
- https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/MMF_Compare-stable-floating-nav.pdf
- https://www.morningstar.com/
 
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