Seeing the markets rally over the past few years, for your retirement calculations, do you factor in a haircut for the risky assets figure in your portfolio, just to be conservative?
I have around 55% in equities (1/2 US, 1/2 international), and find myself taking a 10% haircut to the current market value of that part, given the run-up in the stock market, before putting this into retirement calculators. Does this make sense?
Thanks for your views.
I have around 55% in equities (1/2 US, 1/2 international), and find myself taking a 10% haircut to the current market value of that part, given the run-up in the stock market, before putting this into retirement calculators. Does this make sense?
Thanks for your views.
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