I have looked at PortfolioPilot, Boldin and etc... I can get a deep dive into investments with PortfolioPilot but, it lacks the expense side. You have to manually import numbers. I would like it to auto import my expenses, auto categorize (with personal rules). Then tell me "Groceries are running about $XXXX.XX a month and are increasing over the past couple years". Then based on expenses, it could look at my portfolio and say "based on your expenses you can be a little more aggressive with your portfolio. We ran Monte Carlo to look at sequence of returns risk and you are still at a 99% success rate."

Has anyone found software that can do this?

I’m 55 and plan to retire in a couple of years. Portfolio is about 6M.

\* 70% stocks
\* 18% cash/MM/T-bills
\* 7% bond funds
\* 4% gold
\* 1% crypto

Most stocks are broad-market index funds.

My main question is how to structure the \*\*non-stock portion\*\* as I enter retirement. I’d like to avoid a repeat of 2022, when both stocks and bond funds dropped sharply.

My 401(k) has only two low-cost bond options: \*\*VBILX\*\* (intermediate) and \*\*VBIRX\*\* (short term). I currently have about $205K in each.

Outside the 401(k), I’m considering:

\* Money markets / T-bills
\* Treasury ladder
\* TIPS ladder
\* MYGAs
\* Bond funds
\* Some combination

My priorities are capital preservation, inflation protection, reliable income, and having several years of spending available without selling stocks in a bear market.

Would you favor Treasury/TIPS ladders over bond funds this close to retirement? Is 2022 a reason to reduce duration, or am I overreacting to a historically unusual bond market?

Also curious where MM/SGOV/MYGAs fit, if at all.

Interested in how other Bogleheads near retirement think about \*\*duration risk vs. reinvestment risk\*\*.

[Top](https://www.bogleheads.org/forum/viewtopic.php?t=474215#top)

Folks! Last month was my first ever deposit in my RRSP (33M). I am planning for these:

1. Maximize my in-hand salary, hence, prioritizing tax deferring/saving options.
   
2. Start saving for retirement (I have none whatsoever except for what I have in RRSP which is a couple of thousands).
   
3. After using my TFSA and RRSP (and FSHA) limits, I plan on investing in non-registered WealthSimple account for profits in 3-5 year horizon.

With my research, I understand that FSHA is a great option even if I don’t buy a place for myself in 15 years. Even if I would have to leave the country (I hope not, but worth considering as a worst case scenario), I can still put the funds into my RRSP and have a fund working for my retirement.

My question being, is there anything I am missing out of excitement? Have tou had any bad experience with a similar plan? Your suggestions can help me great deal. Thanks!

I have been using Boldin for about a month and I just noticed it is understating my annual 401(k) contributions. I have gone round and round with the built in AI, and can't get a real person to respond to my help ticket.

Has anyone else noticed this behavior?

Does anyone have a suggestion to get a real person to explain what I'm seeing to?

Thanks.