You need to choose the allocation you are comfortable with.
At mu current age 70, I am looking at a withdrawl rate of 2% and we just started SS income this year, which means currently we have 3% to spend yearly from SS income plus 2% withdrawl rate.
55% of our savings is in IRA/401K, so rebalancing is easy. The biggest problem is the tax/IRRMA problem at age 73 with RMDs.
My asset allocation is currently;
36% US stock mkt (VTI or SP500)
9% international
50% fixed income bonds (Monte carlo could be intermediate treasuries or CDs)
5% treasury MMF (Monte carlo could be short term treasuries)
I think 45% is a nice conservative stock allocation.
Looking at the Monte Carlo simulation, shows 0.19% chance failure in 30 years for 2% withdrawl rate: https://www.portfoliovisualizer.com/mon ... sisResults
At mu current age 70, I am looking at a withdrawl rate of 2% and we just started SS income this year, which means currently we have 3% to spend yearly from SS income plus 2% withdrawl rate.
55% of our savings is in IRA/401K, so rebalancing is easy. The biggest problem is the tax/IRRMA problem at age 73 with RMDs.
My asset allocation is currently;
36% US stock mkt (VTI or SP500)
9% international
50% fixed income bonds (Monte carlo could be intermediate treasuries or CDs)
5% treasury MMF (Monte carlo could be short term treasuries)
I think 45% is a nice conservative stock allocation.
Looking at the Monte Carlo simulation, shows 0.19% chance failure in 30 years for 2% withdrawl rate: https://www.portfoliovisualizer.com/mon ... sisResults
Statistics: Posted by wwhan — Sun Jul 14, 2024 11:31 pm