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Old 10-20-2008, 11:31 AM   #21
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I've run my numbers in Firecalc and Financial engines and the plan seems to work. I had to tweak things a little. I'm prepared to work a little longer if the numbers don't seem to add up as I get closer to retirement.
Are there any other online retirement calculators which forum users find helpful?
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Old 10-20-2008, 04:59 PM   #22
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Originally Posted by samclem View Post
So, you'd be about 40% equities when you start retirement, possibly at the start of a bear market of unknown duration?
-- 50% in cash/fixed (to be used for the first 10 years)
-- Approx 20% of portfolio in a 2020 target retirement retirement fund x 30% fixed component of that fund = 6% of total portfolio in cash/fixed
-- Approx 15% of portfolio in a 2030 target retirement fund x 15% fixed component of this fund = 2% of total portfolio in cash/fixed
-- Approx 10% of portfolio in a 2040 target retirement fund x 10% fixed component of this fund = 1% of your total portfolio in cash/fixed
-- Approx 5% of portfolio in a 2050 retirement fund x 10% fixed component of this fund = 0.5% of your total portfolio in cash/fixed
I was thinking of using 2025, 2035, etc.

Our networth is worse now than a couple of months ago.

But I have a pension, retirement health care coverage, and of course SS for DW anf I. Our home is almost paid off.

Plus my projected spending is high compared to what we actually spend (today)... is almost double. We have plenty of cushion.
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Old 10-20-2008, 05:31 PM   #23
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I was 60/40 (but some of the "equities" portion is actually balanced funds with bonds in them) - downturn took me towards 50/50 - I'm gradually buying back up.

Commodities have been "sexy" last couple years and I think over-recommended in allocations - I don't like more than 5%.
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Old 10-20-2008, 05:41 PM   #24
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Originally Posted by ranchoparque View Post
I've run my numbers in Firecalc and Financial engines and the plan seems to work. I had to tweak things a little. I'm prepared to work a little longer if the numbers don't seem to add up as I get closer to retirement.
Are there any other online retirement calculators which forum users find helpful?
I also like Retirement Income Planner on Fidelity's site
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Old 10-20-2008, 05:54 PM   #25
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And then there's ORP! www.i-orp.com

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Old 10-20-2008, 10:39 PM   #26
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Originally Posted by ranchoparque View Post
Are there any other online retirement calculators which forum users find helpful?
I have used Flexible Retirement Planner for Monte Carlo simulations.
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Old 10-22-2008, 07:17 PM   #27
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Bogle still uses the old rule of your age equals your bond allocation. I think that looks better and better to me after this down turn. I'm 60 and was 50/50 going in. I think I'll remain 40/60 for the next 5 years.
Bogle's advice is exactly why i did 55/45 at FIRE at age 48, with a tiny fudge factor. with continued DCA into bonds for 2 more years, i was striving to hit a 50/50 AA at age 50.
to each their own, but i shall remain a "fence straddler" from here forward. the inevitable market recovery may unbalance my AA a bit...changing the targets of my ongoing DCA will take care of that.
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Old 10-22-2008, 07:39 PM   #28
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This has taught me I want more cash on hand. MY allocation now is 97% equities and 3% cash/bonds. I am 35 and about 18 years from considering FIRE. Down 40%+ everywhere I look.

I am investing everything I have (into 401ks and IRAs) and would have liked a larger emergency fund so I could liquidate some of it on the dips.
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