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Retired on a military pension, spouse will draw her Reserve pension at age 60.
40% large-cap stocks (mostly Berkshire Hathaway),
33% international stocks (mostly PID ETF),
22% small-cap stocks (mostly IJS ETF),
The book written on E-R.org, "The Military Guide to Financial Independence and Retirement", on sale now! For more info see "About Me" in my profile.
I don't spend much time here anymore, so please send me a PM. Thanks.
Stock: 60% (goal move a little more into international, REIT, and SC)
Not including home equity (intend to have mortgage paid off), pension (small non cola start @ 55), or SS in the above.
The way I will manage the finances/allocation is a bit more complicated than listed. But as we age, we will get more conservative (i.e., more in bonds). This will partly be due to the fact that as we spend down the portfolio, near term money will be in bonds or cash. Essentially, the 30/10 @ 55 will be spent during the decade of 55-65. The 60% Stock will be rebalance and allocated for decades 65-75, 75-85, 85-the end (maybe longer than 10 years).
45% large cap
15% mid cap
15% small cap
15% large cap
10% small cap/ emerging market
large cap PRFDX (Roth), PRWCX (Roth), VFINX (401k), VWNFX (401k), RGAEX (401k), ACGIX (401k)
mid cap RPMGX (Roth), VEXMX (401k), SSVSX (401k)
small cap PRNHX (Roth), VEXPX (401k), RYTFX (401k),
international large cap TRIGX (Roth), VTRIX (401k), REREX (401k) TROSX (Rollover)
international small cap PRIDX (Roth)
each 401k is 75-25, and more or less the 45-15-15-25 allocation.
The Roth is 45-15-15-15-10
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