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Old 11-07-2016, 02:13 PM   #41
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This may not fit the OPs question but: Does anyone have any experience or opinions on SAIL (Smart Asset Income Ladder)? As I understand it, this strategy involves pulling out safer money in the first (10-15) years of retirement while allowing growth investments to grow. Different from my strategy of maintaining an asset allocation. Tried to search on this forum but was unsuccessful. Strategy is based upon a paper written by Univ of San Franciscan grad students in the 70's?
Search for "bucket" strategy.
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Old 11-07-2016, 05:39 PM   #42
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+1 nothing more than a bucket strategy. In my case, my target AA and buckets are about the same so I just stick with AA since it is easier.

For example, let's say you have a 4% WR and want to keep a year in cash, 10 years in safe investments and the rest in equities... that is a 56/40/4 AA.
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Old 11-07-2016, 05:56 PM   #43
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+1 nothing more than a bucket strategy. In my case, my target AA and buckets are about the same so I just stick with AA since it is easier.

For example, let's say you have a 4% WR and want to keep a year in cash, 10 years in safe investments and the rest in equities... that is a 56/40/4 AA.


I like this. And if the cash is included in the 10 years of safe investments it is 60/36/4
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Old 11-07-2016, 09:32 PM   #44
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Which just happens to be my target AA. What a coincidence!
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Old 11-16-2016, 11:14 AM   #45
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Has anyone built a laddered annuity (s) as part of their long term strategy for retirement income. Welcome positive constructive replies.
Thanks
OP, I have not done so, but it is part of my Plan B. I just found this in-depth analysis from Vanguard on annuities yesterday. Hope it's helpful.

https://personal.vanguard.com/pdf/icruia.pdf
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