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Old 03-28-2009, 02:47 PM   #41
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Originally Posted by lsbcal View Post
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?'

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Old 03-28-2009, 05:45 PM   #42
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I am "all in" ... the low needs to be tested (that will be hard to watch). But as I said I am "all in".

FIRE'd since 2005
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Old 03-29-2009, 04:47 PM   #43
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Only until get back to Even, then Rebalance and Go from a 60/40 mix to a 20/80 mix
But, If we have another " Carter Yrs of Very High -30 Yr Long Term Treasuries"?
I will sell everything and buy them at my nearest Fed. Res. Bank..
Might even Max out my Credit cards and Get a Mort. on my paid For Home if I can.

As you can guess, Retired and Hoping for Hyper Inflation..Berneke will go after it Like a Duck On a June Bug..

Imagine 10-12% 30 yr LT Treas.....mmmmmmmm Droollling..
It would sure help Seniors and Rebuild The Fla. Real Estate Condo Business!
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Old 03-29-2009, 05:35 PM   #44
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Originally Posted by Dennis View Post
As you can guess, Retired and Hoping for Hyper Inflation..
This is a baffling wish that I think retirees would severely regret experiencing. But with a little bit of luck, it hopefully won't come to pass.

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