Originally Posted by lsbcal
For those of you who are ahead of your original retirement portfolio, did you inflation adjust the numbers?
After inflation adjusting my Apr 2003 retirement, we are -14% below the starting portfolio. At the end of 2007 we were +19% ahead. If that number gets as positive as 2007 again, it will be a big signal to me to get more conservative.
Since Jan 1, 1993 the answer is no. Adjusted spending(sometimes aggresively) based on portfolio value and other factors - sold some RE, some temp work, small non cola pension 1998, early SS 2005 and spent more post Katrina(2006) to resettle.
My goal posts nowadays are 5% variable to SEC yield of portfolio ballpark 3-5% range of total portfolio value.
Right now with Mr Market being a meany - running a tad over 4% SEC yield on portfolio.
And I'm under spending cause the weather sucks - and the trip list for summer hasn't been finalized yet.
heh heh heh - I wasn't called a 'cheap bastard' in the early days of ER for nothing. 16 years into retirement - I'm a little more relaxed, confident and less er ah 'frugal?'