Originally Posted by RetiredGypsy
What say ye, the seasoned?
After this month all us
investors will be seasoned... again. And this time we really mean it because it's really really different. Again.
There are many different roads to ER, and there are at least 2x more asset allocations than investors-- the ones they have and the ones they wish they had. Almost all of those will also work for ER. So your AA is at least as good as most of them.
But if you want to tinker with AAs, I'd highly recommend a paid three-month subscription to FinancialEngines.com. You can tweak your portfolio, add details of your spending and your taxes, and look at longevity or dates of starting SS. Then you can x-ray your portfolio several different ways and see how volatile it is compared to the broad market indices. FE's Monte-Carlo simulator, despite all of MC's inherent deficiencies, will give you a conservative SWR that you can use as a check on FIRECalc.
And after plugging the data into FE you'll feel confident that you've worked through all your investor anxiety...
Another great place to have AAs
thoroughly critiqued is Raddr's board. Better do some advance thinking on REITs & commodities, though.