{ "subreddit": "r/DIYRetirement", "page": "https://redlisten.com/r/diyretirement", "updated": "2026-11-09T04:19:17.019Z", "members": 22438, "activity": { "posts_last_24_hours": 6, "posts_per_hour": 0.2, "comments_per_hour": 4, "newest_post_utc": 1794184325.663, "newest_comment_utc": 1794195479.947 }, "top_threads_this_week": [ { "title": "BND - Why is it so loved?", "score": 21, "comments": 166, "created_utc": 1793719020.503, "snippet": "I am retired and 68. Why is there so much love for a bond fund that has lost 4.2% YTD and has a trailing 12 month dividend of 4.2%. Just checked on Fidelity and 3 month CDs are paying 4.2%. 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And you both are using the 4% rule for withdrawals from your portfolio. You retire with $1M in 2027 and take $40K in withdrawals. Over the year you have a good return,...", "url": "https://www.reddit.com/r/DIYRetirement/comments/1xmjuoi/what_am_i_missing/" }, { "title": "How to do Roth conversion", "score": 7, "comments": 40, "created_utc": 1793990431.389, "snippet": "I will be doing Roth Conversation soon. How do I go about paying the taxes? I will be paying from cash saved. I know I should talk to CPA, but he is on vacation at the moment.", "url": "https://www.reddit.com/r/DIYRetirement/comments/1xpkkeg/how_to_do_roth_conversion/" }, { "title": "When do you (or do you plan to) spend your Roth funds?", "score": 7, "comments": 47, "created_utc": 1793899567.838, "snippet": "A discussion in another thread sparked this question: The basic guidance for conversions is to convert when your current tax rate is less than what it would be when you would withdraw those funds;...", "url": "https://www.reddit.com/r/DIYRetirement/comments/1xoolrq/when_do_you_or_do_you_plan_to_spend_your_roth/" }, { "title": "Understanding Sequence Risk", "score": 7, "comments": 29, "created_utc": 1793677438.021, "snippet": "Two retirees. The exact same returns. One runs out of money. Most retirement plans are sold on an average return. But nobody retires on an average. You retire in a specific year. 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