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Old 03-01-2014, 12:14 PM   #21
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Location: Bossier City
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Not quite retired, but very close (months). Will be:

1. 80%
2. 20%

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Old 03-01-2014, 01:16 PM   #22
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Join Date: Feb 2007
Posts: 2,492
1) 100%
2) 0%
3) 0%

We keep our cost of living very reasonable so DH's pension covers more than 100% of our expenses. We save the excess. I have a part time job and most years most or all of my income goes into my Roth IRA. All investment income gets reinvested.

I just turned 59. I used to think that I'd take SS ($535/mo) at 62, but lately I'm thinking that if I don't need it I should wait. If I do take it I may just use it to fund our HSA from 62 to 65.

Things change, stuff happens. I'll see when I get there.

So far, so good.

Married, both 63. DH retired June, 2010. I have a pleasant little part time job.
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Old 03-01-2014, 04:32 PM   #23
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Posts: 11,056
When DW retires, the plan is:

1) 0%
2) 100% (including rental income)
3) 0%

at least until we reach our 60's.

After that, SS will come online. We might sell the rentals and buy a SPIA with the proceeds. And if we have done well, we might even start eating into our investments.
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Old 03-01-2014, 04:55 PM   #24
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Give me a forum ...
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Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 17,838
1. 0%
2 & 3. 100%

Since I rebalance as part of withdrawing, there is almost always some sale of investment involved. However, usually the investments have appreciated more than my withdrawal.

How do you classify capital gains distributions? As sale of investment? Or income? They are actually the result of the former.
Well, I thought I was retired. But it seems that now I'm working as a travel agent instead!
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Old 03-02-2014, 12:04 AM   #25
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Join Date: Jul 2005
Location: Los Angeles area
Posts: 1,450
0-100-0 (too young for SS)
learn, work, save, invest, fire
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Sources of funding retirement
Old 03-05-2014, 05:12 PM   #26
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Join Date: Mar 2012
Posts: 1,492
Sources of funding retirement

About 75% pension / 25% investment - but we could do with no investment income if necessary. We withdraw less than 2% a year for adventure and travel purposes. Pensions pay for our needs and more basic wants.

We don't differentiate between sales and income. In tax deferred accounts, everything reinvests, and we sell bonds or equities accordingly when we want to add to our pensions.

Don't participate in SSI
"Growing old is no excuse for growing up."
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Old 03-05-2014, 08:11 PM   #27
Full time employment: Posting here.
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Posts: 957
Originally Posted by calmloki View Post
And once again, those who live off rental property income get marginalized....
To be fair, I don't think it was the OP's intention to marginalize anyone. He did ask if he had forgotten a bucket.
"Let America be the dream the dreamers dreamed, Let it be that great strong land of love, Where never kings connive nor tyrants scheme, That any man be crushed by one above." - Langston Hughes
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Old 03-05-2014, 08:15 PM   #28
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Join Date: Oct 2012
Location: Houston
Posts: 68
1. SS is about 10%

2. Income from your investments are about 40%

3. The sale of investments 50%
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Old 03-05-2014, 09:45 PM   #29
Recycles dryer sheets
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Originally Posted by CyclingInvestor View Post
0-100-0 (too young for SS)


Indeed a little scary. Years of tracking has helped us see that this is not as scary as journalists try to tell us.

Don't sweat the petty stuff.
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