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03-01-2014, 12:14 PM
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#21
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Thinks s/he gets paid by the post
Join Date: Nov 2006
Location: Bossier City
Posts: 2,183
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Not quite retired, but very close (months). Will be:
1. 80%
2. 20%
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03-01-2014, 01:16 PM
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#22
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Thinks s/he gets paid by the post
Join Date: Feb 2007
Posts: 3,681
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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 69. DH retired June, 2010. I have a pleasant little part time job.
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03-01-2014, 04:32 PM
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#23
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Moderator Emeritus
Join Date: May 2007
Posts: 12,901
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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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03-01-2014, 04:55 PM
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#24
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 38,145
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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.
__________________
Retired since summer 1999.
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03-02-2014, 12:04 AM
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#25
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Thinks s/he gets paid by the post
Join Date: Jul 2005
Location: Los Angeles area
Posts: 1,708
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0-100-0 (too young for SS)
__________________
learn, work, save, invest, fire
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Sources of funding retirement
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03-05-2014, 05:12 PM
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#26
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Thinks s/he gets paid by the post
Join Date: Mar 2012
Posts: 1,555
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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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03-05-2014, 08:11 PM
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#27
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Thinks s/he gets paid by the post
Join Date: Apr 2012
Posts: 2,929
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 Quote:
Originally Posted by calmloki
And once again, those who live off rental property income get marginalized....
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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. 
__________________
"Do not spoil what you have by desiring what you have not; remember that what you now have was once among the things you only hoped for." - Epicurus
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03-05-2014, 08:15 PM
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#28
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Recycles dryer sheets
Join Date: Oct 2012
Location: Houston
Posts: 68
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1. SS is about 10%
2. Income from your investments are about 40%
3. The sale of investments 50%
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03-05-2014, 09:45 PM
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#29
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Recycles dryer sheets
Join Date: Jul 2013
Posts: 67
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Quote:
Originally Posted by CyclingInvestor
0-100-0 (too young for SS)
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+1
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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