Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 02-23-2018, 09:54 AM   #21
Recycles dryer sheets
 
Join Date: May 2015
Posts: 54
I would say it's a risky idea. To get the returns you are asking it would have to be very high yield bonds etc. The other term for that is "junk bonds".
__________________

slv1 is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 02-23-2018, 01:54 PM   #22
Recycles dryer sheets
 
Join Date: Jul 2015
Posts: 488
Agreed that depending on 6 percent every year for say 30 is risky. What about a flexible withdrawal plan, perhaps more than 6% on good years, but potentially much less on bad ones. Need integrated financial plan accounting for social security, age/longevity, marital status, expenses (survival vs desired), etc.
__________________

__________________
Living the dream...
FreeBear is offline   Reply With Quote
Old 02-23-2018, 02:53 PM   #23
Thinks s/he gets paid by the post
 
Join Date: Mar 2009
Posts: 1,675
Quote:
Originally Posted by marko View Post
Well, we've discussed this dead horse ad-finitum and I don't want to restart it now. But I always think of it as selling trees versus selling the land that the trees grow on.

False thinking, I know, but it helps me sleep at night.
But at least today you don't have to pay an advisor 1%+ to manage it for you. The old school never touching the principal is now trickling down four generations in my family. And that first generation started with less than nothin'. (it also helped that each generation had fewer kids than the prior).
__________________
Taking Social Security at 62 because it really doesn't matter that much.
foxfirev5 is online now   Reply With Quote
Old 02-23-2018, 03:59 PM   #24
Thinks s/he gets paid by the post
OldShooter's Avatar
 
Join Date: Mar 2017
Location: City
Posts: 1,957
Quote:
Originally Posted by parhur View Post
... Can I assume from a mix of REITS, preferred and common stocks, MLPs and some bonds that I could receive a 6 to 6.5% rate of return. ...
You can assume anything you like. Assume 10% if you want to.

The real world, however, will tell you your yield and it is unlikely to be as generous as you want it to be, particularly if we see mean reversion in stock markets' growth.
__________________

OldShooter is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Thoughts on low maintenance portfolio in retirement beachfire FIRE and Money 10 06-11-2017 05:12 PM
Please advise-Fidelity Personal Retirement Annuity filmguyinla Hi, I am... 41 12-30-2013 03:22 PM
Where to invest $10,000 for Retirement - Please Advise G-Man FIRE and Money 45 08-28-2013 01:06 PM
Seeking advise with Mix Portfolio xmanz3 Young Dreamers 12 06-29-2007 12:43 PM
I need some advise regarding my retirement plan xmanz3 Young Dreamers 8 12-15-2006 11:31 AM

» Quick Links

 
All times are GMT -6. The time now is 02:56 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2018, vBulletin Solutions, Inc.