FireDreamer
Dryer sheet wannabe
HI All!
I've been lurking on this site for a while and felt it was time to join in the discussion.
A bit about us -
We're 42 yo DINKs and I feel that we're on track for our 2029 target, but it's always good for other opinions & thoughts. My target is 4M total with 3-3.5% WR for 120K-140K spend in retirement. Firecalc gives me over 95% with various spending models, and Fidelity puts us at the high end of 'good" with a score of 93.
I use my own spreadsheet to track quarterly our investment accounts and re-balance overall target AA. I also use the fi.xls spreadsheet from the mad fientest to track monthly income, spending, and account balances. Current spending is about 130K a year (based on 2 years of tracking).
My target is 80/20 Stocks/Bonds
The numbers -
1100K in IRA and 401K
800K in after-tax brokerage accounts
20K in HSA
50K cash emergency funds
Questions for the Forum
- Is 80/20 reasonable for my scenario? ~10 years from retirement, with ~40 of retirement?
- Do you have any "cash" emergency fund, or rely solely on your after-tax investments instead? 50K seems like a lot to leave on the sidelines.
- How does the forum track/analyze their fund allocation? Because I have several accounts at different brokerages, there is little overlap for investment funds. My spreadsheet 'works' but wondering if there are other tools out there for a better idea if actual matches target.
That's it for now.. Thanks for taking the time read this, and even more thanks for responding.
I've been lurking on this site for a while and felt it was time to join in the discussion.
A bit about us -
We're 42 yo DINKs and I feel that we're on track for our 2029 target, but it's always good for other opinions & thoughts. My target is 4M total with 3-3.5% WR for 120K-140K spend in retirement. Firecalc gives me over 95% with various spending models, and Fidelity puts us at the high end of 'good" with a score of 93.
I use my own spreadsheet to track quarterly our investment accounts and re-balance overall target AA. I also use the fi.xls spreadsheet from the mad fientest to track monthly income, spending, and account balances. Current spending is about 130K a year (based on 2 years of tracking).
My target is 80/20 Stocks/Bonds
The numbers -
1100K in IRA and 401K
800K in after-tax brokerage accounts
20K in HSA
50K cash emergency funds
Questions for the Forum
- Is 80/20 reasonable for my scenario? ~10 years from retirement, with ~40 of retirement?
- Do you have any "cash" emergency fund, or rely solely on your after-tax investments instead? 50K seems like a lot to leave on the sidelines.
- How does the forum track/analyze their fund allocation? Because I have several accounts at different brokerages, there is little overlap for investment funds. My spreadsheet 'works' but wondering if there are other tools out there for a better idea if actual matches target.
That's it for now.. Thanks for taking the time read this, and even more thanks for responding.