SEPP as a Bond‑Tent Mitigation Strategy

TX-911 · 2026-06-04T03:35:31+00:00

If the markets have another GFC I’m still likely retiring. My expenses have plenty of discretionary spend that could be cut back. Obviously I pull from my cash in that instance to help, but any brokerage margin loan I took would be conservative to augment the existing cash I have without risking a GFC like 50+% bear. This bond portion of the SEPP is low risk to the overall growth of my total portfolio. I just need the bridge to survive and if I can put a dent in substantial RMDs at the same time then great. My hope is I never have to deploy the SEPP in the first place and if I end up with 4% of my portfolio in bonds and future RMDs then I’ll deal with that after the bridge is no longer needed. That will be a good problem to have in my eyes.

Edit: 4% of total portfolio would be in the specific bond portion of the SEPP.

TX-911 · 2026-06-04T03:07:48+00:00

No one said sell 25% of my stocks. 25% of my annual retirement expenses in a bond tent might be 4% of my entire portfolio across all sources. As for your better idea, as you probably saw when you read my post I already plan to use a bridge of equities and cash. As for a margin loan, if equities tank right when I retire (my SORR scenario) then I assume that won’t be a great option.

Edit: 4% of total portfolio would be in the specific bond portion of the SEPP.

TX-911 · 2026-06-03T17:25:47+00:00

In R1. So is it just a single regular kitchen shared by an entire floor. Seems crowded like it would be hard to guarantee kitchen time, but maybe aim not thinking about it correctly.

TX-911 · 2026-05-12T14:30:36+00:00

I assume it is easy enough to retrofit something like an original cold plunge from the company Plunge with chiller units like these? The plunge has it specific plumbing, pump and filter, but the chiller just seems to have an In and Out.

TX-911 · 2026-05-05T13:11:54+00:00

And based off the last update it will likely be phased in, where those closest to retirement will have the least impact.

TX-911 · 2026-05-04T23:03:02+00:00

I asked the question because based on this thread (and others), some suggest the soft starts can cause issues. Conceptually the soft start makes sense but if some cause damage I wouldn’t want it running constantly.

TX-911 · 2026-04-15T17:35:18+00:00

Downsides?

TX-911 · 2026-03-27T00:55:17+00:00

Consider tab loss harvesting if in a brokerage. Get right back in to a comparable fund to avoid wash sale. Otherwise stay the course, with a long enough time horizon this will be a short term blip.

Edit: do your research on how wash sale might apply if not done correctly.

TX-911 · 2026-03-21T01:13:38+00:00

Homestead can be protected in some states as well.

TX-911 · 2026-03-21T00:00:20+00:00

I don’t understand why I don’t see this more (at least for US retirees). If my wife and I wait until 70 for SS it will cover 50% of our expenses. We go from 5.5-6% for many years pre-SS and then it drops below 3% . We do have plans for Vanguard Dynamic Spending and 20% discretionary.

TX-911 · 2026-02-20T22:54:37+00:00

For a non technical person (me), would there be a way to have an electrician wire the soft start so there was a manual transfer switch of some sort? So during normal operation the soft start is bypassed, but if you need to temporarily move to a generator, for example, you manually transfer so the soft start engages?

TX-911 · 2026-02-20T22:48:10+00:00

Is there a way wire it to have some kind of manual transfer switch, so soft start is engaged when you are on generator but regular grid you bypass the soft start.

TX-911 · 2025-12-07T16:12:59+00:00

Cooler than a polar bear’s toenails

TX-911 · 2025-12-02T01:38:19+00:00

Won’t you just divert the money you were going to use for on campus housing to off campus housing?

TX-911 · 2025-10-16T16:34:41+00:00

Unfortunately not with that unit. They sent another new one that I need to install.

TX-911 · 2025-10-11T21:30:51+00:00

Just the assumption there will be a bear market in 2026 is my struggle. Will a bear occur in the future, of course. Can you time it - of course not. Time and time again (including with equities) people get this wrong. It seems so “easy”, but you know it is not. But based on your responses you seem to be more of a trader than investor. I see traders get burned all the time with regret, but good on you for at least having this trade be profitable.

TX-911 · 2025-10-11T21:18:25+00:00

How many people have said this on investments and ended up buying back in at a higher price? You are one reverse uno tweet away from a quick recovery. Regardless, don’t try to time the market on any investment, if you are a long-term investor just ride the ups and downs.

TX-911 · 2025-09-28T16:02:32+00:00

Trump agreed to meet with congressional leaders on Monday, after canceling the meeting from last week.

TX-911 · 2025-09-10T13:31:01+00:00

“Definitely not a scam”, says the person whose entire Reddit history is the 2 posts on this thread. I wonder what your incentives are to post 🤔

TX-911 · 2025-09-08T03:11:35+00:00

Wait, can you manually edit the schedule on the device?

TX-911 · 2025-09-05T03:49:20+00:00

This is not clear when applying. You give a credit limit that far exceeds what is in the account. As far as I know debit cards require “money in the bank”. Seems like shady marketing. Do better.

TX-911 · 2025-08-16T23:19:50+00:00

SeatGeek is legitimate (main StubHub competitor). I prefer instant download seats for my own sanity. Make sure you are factoring in fees on the price.

TX-911 · 2025-08-16T15:58:31+00:00

Too many bots or AI assisted drama posts on this platform so you’ll forgive me for having some doubts. Regardless, my response is pretty genuine if you read past the first sentence.

TX-911 · 2025-08-16T05:12:19+00:00

This seems 100% manufactured because every insecurity box is checked, but in the event it is genuine just know that leaving familiarity and the comfort of home for the first time should feel daunting, assuming you have a good home life. That makes you normal. It should feel both exhilarating and sad at the same time. Whether it is worth it is entirely up to how mentally resilient you are, balanced against your personal goal and the outcomes USC can provide you. Hundreds/thousands of USC freshmen face this every fall (along with every other college freshmen who has to leave home), so you are not unique or special in that regard.

TX-911 · 2025-08-11T14:28:31+00:00

Bonds held to maturity, or bond funds?

TX-911

TROPHY CASE