Maneiac
Dryer sheet aficionado
- Joined
- Jul 19, 2005
- Messages
- 32
I am trying to simplify the overall tax deferred IRA for my DW in case something happens to me. Are there any retirees using a 4 Fund Couch Potato type Portfolio?
25% TIPS
25% Total Bond
25% TSM
25% Total Intnl ( Or possibly 20% and add 5% REIT Index)
This would be easy for her to keep balanced and should be safe for the 3.5% withdrawal rate we currently use.
I can't bring myself to do a straight "Target Retirement" portfolio. However, a few appropriate external Funds centered around a Wellesley Fund core might be appealing.
This would cut things back from a current 10 Fund Portfolio.
25% TIPS
25% Total Bond
25% TSM
25% Total Intnl ( Or possibly 20% and add 5% REIT Index)
This would be easy for her to keep balanced and should be safe for the 3.5% withdrawal rate we currently use.
I can't bring myself to do a straight "Target Retirement" portfolio. However, a few appropriate external Funds centered around a Wellesley Fund core might be appealing.
This would cut things back from a current 10 Fund Portfolio.