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So I tell FIRECalc that I need $39K/year (with CPI inflation and 37yr payout. This is 5.2% WR on the $750K (that's left in my nest egg after I buy the SPIA), but of course it includes the forecast SS, and it says I'm 100% safe, invested at 60% S&P500, 20% small-cap value, and 20% T-Bills (0.4% ER). Sounds good to me (except I'd like some foreign stock); I like to keep it simple !
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FWIW, note that using the default firecalc at 80% equity and 20% 5 yr bonds says you're not at 100% success. It says 90.9%. Slice and dice type equity mixes have been shown to improve success, but it's not clear that such a thing is not data mining.
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