@Cannibly I appreciate your input! Congratulations on a comfortable retirement! And I understand the desire to keep things simple - in your case, to continue with the previous AA, which was a very sensible one IMO. For me, the change was unplanned and happened "overnight", so I am trying to "recalibrate" since my previous assumptions got tossed out of the window by life happening...Since you asked to hear from people in a similar situation...
It's been almost 5 years since my wife retired with a state cola'd pension that amply covers our living expenses. Plus she'll get SS in about 3 months (we hope) and I've been retired 5 years and collecting SS. A few years ago I asked the forum what AA people thought we should follow given the stability of our income going forward as well as our tax deferred investments. Opinions varied but what I gleaned was we could do anything we wanted and we'd still be ok from a cash-flow perspective (anywhere from 0% - 100% equities). We had been 60/40 for about 5 years prior to retirement and decided to stick with that. It just felt right for both of us.
Statistics: Posted by MEMungerian — Thu Mar 06, 2025 1:41 am