zandrajohn
Dryer sheet wannabe
- Joined
- Mar 5, 2006
- Messages
- 13
Background:
I am 63 years old and retired last year. I have played with FireCalc quite a bit, with the 3% inflation option, a 22 year life expentancy, and looking for a 90% success rate. My income needs from my portfolio will drop off somewhat in a couple of years when additional pensions kick in.
I was surprised to see that my maximum withdrawal rate occurs with a split of 50% stocks and 50% LT corporate bonds. I had expected that this would occur at a much higher stock percentage. Also, I am a little surprised that the LT corporate bond option yields so much better than the fixed income options.
Perhaps I am doing something wrong... any comments?
Thanks,
JL
I am 63 years old and retired last year. I have played with FireCalc quite a bit, with the 3% inflation option, a 22 year life expentancy, and looking for a 90% success rate. My income needs from my portfolio will drop off somewhat in a couple of years when additional pensions kick in.
I was surprised to see that my maximum withdrawal rate occurs with a split of 50% stocks and 50% LT corporate bonds. I had expected that this would occur at a much higher stock percentage. Also, I am a little surprised that the LT corporate bond option yields so much better than the fixed income options.
Perhaps I am doing something wrong... any comments?
Thanks,
JL