Two Vanguard etfs for retirement income:
2 Vanguard ETFs For Steady Retirement Income

In retirement now the chief reason I have so much with the Yackts is the comparatively shallowness of their dips, this year and historically, vs SPY and the rest.
I also do wonder how much longer DSENX's secret rotational (?) sauce is going to work.
Otherwise I would be all in SCHD, 'tis true.

Is there any doubt?
that:"We're all Keynesians (Krugmans)now."The last two paragraphs from a Bill Gross perspective posted today @ Seeking Alpha
"But now at 500% to 600% of GDP (shadow debt included), it’s a Sisyphean struggle just to stay above water. Inflation, in other words – or in simple math – is required to pay for prior inflation. Deflation is no longer acceptable.
Such is the dilemma facing central bankers (and supposedly fiscal authorities) in 2014 and beyond: How to create inflation. They’ve made a damn fine attempt at it – have they not? Four trillion dollars in the U.S., two trillion U.S. dollar equivalents in Japan, and a trillion U.S. dollars coming from the ECB’s Draghi in the eurozone. Not working like it used to, the trillions seem to seep through the sandy loam of investment and innovation straight into the cement mixer of the marketplace. Prices go up, but not the right prices. Alibaba’s stock goes from $68 on opening day to $92 in the first minute, but wages simply sit there for years on end. One economy (the financial one) thrives while the other economy (the real one) withers.
Perhaps sooner rather than later, investors must recognize that modern day inflation, while a necessary condition for survival, is not a sufficient condition for increasing wealth at a rate necessary to satisfy future liabilities associated with education, health care, and a satisfactory retirement. The real economy needs money printing, yes, but money spending more so, and that must come from the fiscal side – from the dreaded government side – where deficits are anathema and balanced budgets are increasingly in vogue. Until then, Grant’s deflation remains a growing possibility – not the kind that creates prosperity but the kind that’s the trouble for prosperity."
-William H. Gross
http://seekingalpha.com/article/2699545-the-trouble-with-porosity-and-prosperity

I agree with most of the posters on this. The market does not NEED to drop 25%. Indeed it COULD drop 25%. Unlikely, but it could. Just because I did not have everything in the S&P 500 the last five years does not mean I want a big sell off. My below-market returns (because of my wide diversification) are still in my NEED range for future retirement. This was not one of Mr. Clements best moments.

http://www.sec.gov/Archives/edgar/data/889366/000089271214000828/bmo497egnr.htm
497 1 bmo497egnr.htm PROSPECTUS SUPPLEMENT
Filed pursuant to Rule 497(e)
Registration No. 033-48907
BMO FUNDS, INC.
BMO Global Natural Resources Fund
Supplement dated November 17, 2014 to the Prospectus dated December 27, 2013,
as supplemented May 27, 2014, July 29, 2014, and September 12, 2014 and Summary
Prospectus dated December 27, 2013, as supplemented May 27, 2014
On November 5, 2014, the Board of Directors of BMO Funds, Inc. (the “Board”) approved a Plan of Liquidation (the “Plan”) for the BMO Global Natural Resources Fund (the “Fund”), subject to shareholder approval, upon the recommendation of BMO Asset Management Corp. (the “Adviser”) to liquidate the Fund. After considering a variety of factors, the Board concluded that it was in the best interests of the Fund and its shareholders that the Fund be closed and liquidated.
Shareholders of record on December 8, 2014 will receive a proxy statement discussing the Board’s decision to recommend liquidation of the Fund and requesting that shareholders vote to approve the Plan at a special meeting of shareholders on December 22, 2014. If the Plan is approved by shareholders, the Fund will be liquidated on or about December 23, 2014. You may continue to purchase and redeem shares in the ordinary course, or exchange your shares for shares of other BMO Funds, until the date of liquidation. Any shareholders who have not redeemed their shares prior to the close of business on December 23, 2014 will have their shares redeemed in cash and will receive a check representing their proportionate interest in the net assets of the Fund as of December 23, 2014. Shareholders (other than tax-qualified plans or tax-exempt accounts) will recognize gain or loss for tax purposes on the redemption of their Fund shares in the liquidation.
Important Information for Retirement Plan Investors
If you are a retirement plan investor, you should consult your tax advisor regarding the consequences of a redemption of Fund shares. If you receive a distribution from an Individual Retirement Account or a Simplified Employee Pension (SEP) IRA, you may roll the proceeds into another Individual Retirement Account within sixty (60) days of the date of the distribution in order to avoid having to include the distribution in your taxable income for the year. If you receive a distribution from a 403(b)(7) Custodian Account (tax-sheltered account) or a Keogh account, you must roll the distribution into a similar type of retirement plan within sixty (60) days in order to avoid disqualification of your plan and the severe tax consequences that it can bring.
Thank you for your investment in the BMO Funds. Please contact BMO Funds U.S. Services at 1-800-236-FUND for additional information.
Please retain this supplement with your Prospectus for future reference.

@finder - with "boomers" flooding into retirement I don't see anything, with or without Obamacare, holding healthcare down for long.

You can use an account aggregation service to get pricing on your full portfolio, more or less, through any broker that offers the service (often using Yodlee software or outsourced to Yodlee).
Schwab apparently used to offer an aggregation service, called "MyAccount" according to this 2001 press release, but it doesn't seem to offer the service now.
Fidelity offers the service (there called "Full View"), T. Rowe Price offers the service (called "Account Center").
On the other hand, Vanguard seems to provide a portfolio pricing service that doesn't require external passwords - like M*, you enter your holdings (shares and type of account, e.g. retirement, by hand). You can find this by going to "Balances and Holdings"; at the bottom of the page is "Other Investments".
Funny you should mention American Century - it seems Yodlee just dropped support for them (i.e. the software can no longer pull account info from American Century).

Add-on, @catch22:
>>>>>"Not sure what you mean by "We'll do our SERIOUS investing elsewhere."
Does this mean that monies that are not invested in the workplace 403b are instead invested in a trad. or ROTH IRA?
One aspect of workplace retirement accounts is reducing gross taxable income during the tax year, which some folks consider a benefit to saving by this method."
**********
By "serious" investing, I just meant that we won't be putting our OWN money into the 403b. We get the deduction from our IRAs, still. We've not even begun to withdraw from our IRAs, and are still adding to them. Traditional. (Wife still is working, though lately cut to part-time.) There were a couple of years in which I inherited more than the $6,500.00 Trad. IRA maximum and so we bought a couple of funds as taxable investment accounts, but they remain quite small: SFGIX and DLFNX. Whether taxable or not, I think they were solid choices. :) Thank you for your concern, which I know is genuine. Typo above: we own NAESX Vang. Small-cap, not NEASX.

@MaxBialystock
Yup, lots of fee layers in some of these plans. 403b's are likely the worse (an annuity layered inside of a tax deferred plan).
? So, you wife's employer places "x" amount of monies into the account every year whether she has contributed anything? If this is the case, then is there not a matching program based upon contributions?
Not sure what you mean by "We'll do our SERIOUS investing elsewhere."
Does this mean that monies that are not invested in the workplace 403b are instead invested in a trad. or ROTH IRA?
One aspect of workplace retirement accounts is reducing gross taxable income during the tax year, which some folks consider a benefit to saving by this method.
Hoping you and yours are not forgoing the 403b plan because you're pissed about the internal fees that are beyond your control.
Are there not any decent investment choices in this 403b?
Regards,
Catch

Hey, Catch. It's not a match which the employer kicks-in for employees. It's 3% of earnings through that previous year. That figure is arrived at, and it gets dumped in one sum in the Spring. ....There are some decent funds available. We chose NEASX. Not so bad this year!

@MaxBialystock
Yup, lots of fee layers in some of these plans. 403b's are likely the worse (an annuity layered inside of a tax deferred plan).
? So, you wife's employer places "x" amount of monies into the account every year whether she has contributed anything? If this is the case, then is there not a matching program based upon contributions?
Not sure what you mean by "We'll do our SERIOUS investing elsewhere."
Does this mean that monies that are not invested in the workplace 403b are instead invested in a trad. or ROTH IRA?
One aspect of workplace retirement accounts is reducing gross taxable income during the tax year, which some folks consider a benefit to saving by this method.
Hoping you and yours are not forgoing the 403b plan because you're pissed about the internal fees that are beyond your control.
Are there not any decent investment choices in this 403b?
Regards,
Catch

I rarely see any of their funds mentioned on MFO, I have SMGIX which seems to be fairly similar to my old fave UMBIX which I sold when the manager retired. I recently added their tech fund CMTSX to my retirement portfolio. Would like to see if others use this family, and what they think. Im aware most of the board uses Fidelity, T D Ameritrade and such rather than ones with financial advisors, so it may be a small pool of investors here.

FYI: LIKE millions of retirees who assumed their companies had taken care of them, Ronald Tussey never thought that his retirement plan might be flawed. He trusted his company so much he kept his money in his 401(k) long after he left.
Having worked as an engineer for 37 years, ultimately at ABB Inc., where he retired 11 years ago, Mr. Tussey said he never paid much attention to the fees in his retirement plan and “assumed the company was looking out for my best interests.”
But after seeing a television program on the negative impact that 401(k) expenses can have on retirement savings, he hired a lawyer, who filed a class-action lawsuit in 2006 against ABB and plan administrators.
Regards,
Ted
http://www.nytimes.com/2014/11/08/your-money/hidden-costs-of-401-k-plans.html?ref=your-money&_r=0

In the multi-cap EM equity space, I continue to prefer WESNX which continues to be open to new investors at Scottrade for a $2500 minimum + TF in taxable and retirement accounts. And WESNX has outperformed EMIYX since its inception. Disclosure: we like and own WESNX.
Kevin

Thank you for pointing out the PRUZX utilities fund and the advice on alternative healthcare funds. Is it fair to say that their Z class shares (no load class) are more likely to be offered at financial advisors than at the "supermarket" brokerages?

I suppose for Prudential the answer is yes (regardless of whether the fund is open or closed) - but that doesn't mean you'll get any bargain.
What Prudential writes about its class Z shares is: Class Z shares are available to individual investors through certain retirement and wrap fee programs, and to institutions at an investment minimum of $5,000,000.
Usually, if you work with an advisor, you're paying for the advice (whether you get/use it or not). That payment could be in the form of loads and commissions, or a percentage of assets you've got invested through that advisor (a "wrap fee" acccount), or some other arrangement.

Morn'in @Old_Skeet
It appears that LALDX is also a short duration, high yield bond fund. This FIDO view, from June 30 data, also indicates a 30 day yield of 2.6%.
Seperately, as note above: "Short term bonds vs Savings/checking accounts for cash"..... these are different critters for most investors I know. The "at home" local account is more of an emergency money allocation; versus short term bond funds being a parking spot as needed, that exist within a retirement account.; unrelated to a savings or checking account.
Not unlike any other active managed fund, there are lots of different critters for investment style among short term bond funds; and that short term bond funds and short term gov't bond funds are indeed different critters, eh?
M* short term bond list
An alright place for "cash" monies within retirement accounts, IMHO.
Me 2 cents worth.
Take care,
Catch

1. VIG
2.PJP
3.PKW
I own all three, with PKW my largest position in my retirement portfolio. Side note, I also have VDIGX, which is similar to VIG, and together they would make up the same at the amount in PKW.

Mikey:Did you get that from "Wikipedia" or what is your source? Yes I make up my own definition of "retirement" and yours is quite different from my "stop working years", I guarantee you, and that is a "fact"

What we've got here is failure to communicate.
Retirement means to stand down from a planned work schedule or position.

Retirement is a programed life style, "stop working" because you have enough money, has nothing to do with "retirement"
ie you might quit work at 35yo after you have made your first $5 million, does that mean your retired? or are you doing other things besides working?
Picture "retirement" is that the 35yo?
Stop working is not "retirement"