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Old 11-10-2015, 03:20 PM   #21
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WOW, I can not thank you all enough! Great forum. I hope to be able to add value to others questions as well as I get familiar with the site, and further settle into retirement!
Mrloco- I like the suggestion to bump equities to 50%. While I am somewhat risk adverse, I know our equity position is a bit light. I think the 50% is a good balance. I will likely add to an ETF like SPY, to limit any further exposure to individual stocks. 350K ( or 11%) is fine for indiv stocks, but going forward I like the idea of buying the S&P better!
ERD50 - thanks for the advice regarding not using the monte carlo. I will further examine my equity/ fixed ratio , and use the default historical analysis as you suggest. I bonds should not be an issue as they represent less than 2% of the total.
Whisper66- I am not familiar with I-orp. I will google it and check it out. I like to use various " checks and balances"! I agree with both of you, probably wise to trim the SS estimates a bit, although I hope it does not get trimmed for the one of us who is 63...not long to go!!
Youbet, 2017ish,eta2020,lars and everyone else, thanks for the imput!!
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Old 11-10-2015, 06:05 PM   #22
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Salty, your numbers are very close to mine in all respects except your ages (we're both 56).

All financial calculators put us at 100% success. I had too much in equities and am gradually rebalancing to a 60/40 ratio. The advantage you have is that you are closer to Medicare age, which will substantially cut you health insurance costs.

Good luck!


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Old 11-11-2015, 07:57 AM   #23
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Numbers look similar to my situation, although I'm 66 and DW is 61, and we have higher % in tax deferred. You look to be in great shape, although I agree with suggestion to increase your equity exposure, especially given one of you that is still a youngster
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Old 11-11-2015, 12:38 PM   #24
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Thank you, Eastwest Gal, and DFW M5
With all of the positive feedback and suggestions , I am feeling more confident!
I think the only " uncontrollable " I can think of, is that we do not have long term care insurance.
Just never have been a fan of it, given the very high costs vs the coverage. Guess we will " self insure"
And keep our fingers crossed!!


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Old 11-15-2015, 05:34 PM   #25
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Numbers are similar to mine as well, although I'm 57 and DW is 53 and will continue working for at least 5 years.
Fire-Calc is a little tricky, since I'm semi-retired but still pulling income for at least a few years and DW won't retire for a while.
The portfolio is 65-25-10, though, in contrast and smaller by almost a 1/3 but still shows 100% success, although the lowest value shows about half of the present portfolio at end.


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Originally Posted by EastWest Gal View Post
Salty, your numbers are very close to mine in all respects except your ages (we're both 56).

All financial calculators put us at 100% success. I had too much in equities and am gradually rebalancing to a 60/40 ratio. The advantage you have is that you are closer to Medicare age, which will substantially cut you health insurance costs.

Good luck!


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