Investing after retirement

[frugal saver]

For years I've funneled everything possible to IRA's and retirement accounts. Now I've retired, but am not yet withdrawing any money, and hope not to for awhile yet.

Every website I look at seems to have two investing options--fund retirement, and take money from retirement funds.

I need option number 3. I can come up with probably $100 a month, maybe more to invest each month, but am debating my options. CD's have horrible interest, regular mutual funds? bond funds?

Anyone have a suggestion on the best places to invest when you will have to pay tax on it?

[disneysteve]

I think the answer depends, as with all investments, on what this money is for and when you anticipate needing it. If you will need it in less than 5 years, I'd avoid the stock market. If this is long term money, stocks are fine. Since it will be a taxable account, you ideally want it to be tax-efficient (but never let tax-efficiency totally drive your investment decisions). That would lead you to index funds or ETFs. If you go with ETFs, be sure to use one that is commission-free.

Of course, how you invest this money also depends on the big picture and your overall asset allocation and needs to fit within that structure.

[clydefreeman]

Yes it depends on you. Either you start your own business to grow your money, invest it on the stock market or put it on the bank to grow. Well-planned your retirement

[snafu]

There are lots of free financial seminars sponsored by financial institutions that want to sell you their plan. They offer knowledge presented in any easy to understand way as they want to sell you...You'll learn a lot from what they say and even more from the Q&A session at the end. Go to learn... not to buy.

Whatever you pick needs to fit in with the asset allocation of your existing retirement investments and match your Risk Tolerance. As DS points out, you need to be aware of fees and costs so that you get benefit beyond salesman and tax man. Would you consider listing your holdings with percentages and open discussion pros and cons?

[Petunia 100]

For years I've funneled everything possible to IRA's and retirement accounts. Now I've retired, but am not yet withdrawing any money, and hope not to for awhile yet.

Every website I look at seems to have two investing options--fund retirement, and take money from retirement funds.

I need option number 3. I can come up with probably $100 a month, maybe more to invest each month, but am debating my options. CD's have horrible interest, regular mutual funds? bond funds?

Anyone have a suggestion on the best places to invest when you will have to pay tax on it?

I suggest you look at your taxable and tax-advantaged accounts as a single pot of money. What is your most tax-efficient holding? Buy that in your taxable account. Re-balance inside your tax-advantaged accounts to compensate.