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Re: Asset allocation for a young investor
Old 03-17-2006, 11:49 AM   #21
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Re: Asset allocation for a young investor

Sorry this is off-topic, but ...



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Re: Asset allocation for a young investor
Old 03-17-2006, 12:40 PM   #22
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Join Date: Sep 2003
Posts: 35
Re: Asset allocation for a young investor

Originally Posted by katb
Thanks for your feedback! I wonder though how I can get enough income from the taxable accounts to live on if my investment choices are designed to reduce taxes and therfore income. As you said, bonds produce income which I could live on, but they would be in my retirement accounts because they produce income. It's seems like a catch-22.* Good point on the DIVs and cap gains.

I now understand you are looking to preserve your taxable capital.* *I initially thought you were looking to deplete taxable assets while tax-deferred assets continue to grow.*

I would utilize the Firecalc calculator on this site to determine the maximum withdrawal percentage (probably around 4%).* This may cause you to take the dividends plus some capital each year.* However, a low enough burn rate should maintain (and possibly grow) the initial taxable amount (calculator will give you the historical success percentages).* I know some on this board (Grumpy, I believe) have a portfolio of stocks that pay dividends in excess of 4% per year.* * *

BTW, I believe we are about the same age (36 soon to be 37 for me).* *Thanks..*


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