kenpoed
Dryer sheet wannabe
- Joined
- May 13, 2012
- Messages
- 19
My wife and I are both 45 and looking to retire in 15 years. We currently contribute $20,000 annually to IRA/401k combos.
Our portfolio consists of index funds, Vanguard total market, International index, small cap value index and total bond index. Our AA is 80/20.
We have about 1.3M in our portfolio with no debt. We have about 2/3 of the portfolio in tax deferred, the rest in taxable.
We run firecalc and assume a withdrawal rate of $100k/year and inflation of 3.3% (to be safe). Firecalc states we should be ok, but I am wondering what the FIRE community thinks of our portfolio and goals. Is it realistic?
Any advice or critique is appreciated.
Our portfolio consists of index funds, Vanguard total market, International index, small cap value index and total bond index. Our AA is 80/20.
We have about 1.3M in our portfolio with no debt. We have about 2/3 of the portfolio in tax deferred, the rest in taxable.
We run firecalc and assume a withdrawal rate of $100k/year and inflation of 3.3% (to be safe). Firecalc states we should be ok, but I am wondering what the FIRE community thinks of our portfolio and goals. Is it realistic?
Any advice or critique is appreciated.