nun
Thinks s/he gets paid by the post
- Joined
- Feb 17, 2006
- Messages
- 4,872
I'm a long time conservative dollar cost averaging index fund investor. My asset allocation has always been around 50/50 and I'm thinking about early retirement at age 50 (in 2 years) as my mortgage is almost paid off and I would like some advice about my AA and taking money out of my accounts rather than putting it in. Once the mortgage is gone I estimate that my annual expenses will be $30k. I get $15k a year from rent and have $500k invested in retirement accounts and $200k after tax. At 62 I'll get a $5k/year pension, $10k from US SS, and $10k from UK pension when I hit 65.
I'm single and a Lazy investor, so part of my question is would you add anything to the small number of funds I have now to improve diversification or income (I plan to take a total return approach to income in ER). I also obviously plan to take dividends and gains form my after tax accounts first and spend them down until I'm 59.5
After tax account
Vanguard Total Stock Market Index ($100k)
Vanguard Total International market Index ($100k)
ROTH
Vanguard Wellesley ($50k)
IRA/401k etc
Vanguard Total Stock Market Index ($75k)
Vanguard Total International market Index ($75k)
Vanguard Total Bond Market ($200k)
Vanguard Wellesley ($100k)
I'm single and a Lazy investor, so part of my question is would you add anything to the small number of funds I have now to improve diversification or income (I plan to take a total return approach to income in ER). I also obviously plan to take dividends and gains form my after tax accounts first and spend them down until I'm 59.5
After tax account
Vanguard Total Stock Market Index ($100k)
Vanguard Total International market Index ($100k)
ROTH
Vanguard Wellesley ($50k)
IRA/401k etc
Vanguard Total Stock Market Index ($75k)
Vanguard Total International market Index ($75k)
Vanguard Total Bond Market ($200k)
Vanguard Wellesley ($100k)