audreyh1
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Nothing here is comparable. It's all over the map. Heck - seems like at least half the folks here just pull out what they want from whatever and do a quick annual check that they haven't gone over some predetermined "SWR" boundary.Well, everyone gets to do their arithmetic any way they want.
But is it not the case that the norm here when people are talking about AA that they are talking about a ratio of total investable assets? It seems like that is the only option if posts are to be comparable.
IOW if you have a million$ in cash or a kilo of gold that you're not including in your AA, then reporting 50/50 or whatever is at best meaningless and at worst misleading to the OP and the rest of us.
Just curious: If you do include your not-included stash, what is your AA range? Is it materially different from what you reported?
As I planned for retirement I made a choice to cordon off a subset of my assets as my retirement portfolio to withdraw from. I ran models to determine that it was sufficient for my long term goals. I had other plans for other funds.
And, as it turns out, we have accumulated more outside the portfolio because we've been underspending during rising markets. Have no idea if that will continue going forward - maybe not.
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