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Old 01-30-2012, 12:33 AM   #21
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A real return of 3% will work for me. Probably could make it with less long-term, once on SS, but that would begin eating away the safety margin.
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Old 01-30-2012, 04:47 AM   #22
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Originally Posted by arebelspy View Post
At the most basic level, wouldn't a good situation be inflation rate + one's SWR? Then you're not eating into principal at all...
Yep. This is where I am as well.
Minimum would be ~2% lower.
Knock my socks off would be >=4% higher, given AA.
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Old 01-30-2012, 05:20 AM   #23
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After taxes some are lucky if the financial income keeps pace with inflation.
E.G. my folks bought about $2,500 of E-Bonds in the 1960's. At final maturity, when they were redeemed, the after tax proceeds were enough to buy an automobile similar to what could have been purchased for $2,500 in the 1960s.
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Old 01-30-2012, 07:01 AM   #24
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We're about a 5 on the 1-10 scale. We are finding that as we adjust to ER along with our move to a less expensive area, we're spending a bit less than planned on an annual basis. DW is still working and we're using her income to finish the new place. With this in mind, investments keeping pace with inflation is good news. If we can gain a few percent, then that would be wonderful.

It's good to know that we can be satisfied with just keeping pace- for those still in the serious accumulation phase, the pressure must really be tough given the last few years experience.
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Old 01-30-2012, 07:28 AM   #25
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Old 01-30-2012, 09:39 AM   #26
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I'm retired and happy to get a reurn of 2-3% above inflation (I would be happier with more but who wouldn't)?
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Old 01-30-2012, 10:41 AM   #27
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I am greedy. I expect my investments give returns that passes inflation, the tax drag, and still give a modest liveable return.
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Old 01-30-2012, 11:11 AM   #28
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I am greedy. I expect my investments give returns that passes inflation, the tax drag, and still give a modest liveable return.
Me too. For some reason, the market, economy etc. don't seem to respect my wishes - I just can't figure it out, and it makes planning way more difficult. Drat!
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Target AA: 60% equity funds / 35% bond funds / 5% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
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Old 01-30-2012, 11:20 AM   #29
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Risk level: 5
Minimum: 1-2% real return
Marginal: 3-4% real return
Sockless: 7+% real return

My plan assumes a real return of 2% (based on 3% annual inflation).

All is pre-tax.
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