Hi,
I’ve posted a few times here but mainly lurking and consuming. Wondering what your thoughts are on my portfolio, and ability to retire once I hit Rule of 75 next February. I am 56 now.
My DW, aged 55, is retired already, and has a pension of $28K which we will start in July, 2015.
We plan to take Social Security at FRA of 66; looking at about $25-30K each for that.
We are looking at spending $90K per year not including taxes. Part of this is for LTC, and $12K per year for health care (a swag).
We have no debt.
Assets – Taxable:
Cash $276
VFIAX $218
VDIGX $ 51
JNHYX $ 81
VG Variable Annuity $321
(Invested 60% stock 40% bond)
Company Stock $
20
Total Taxable $967
Assets – Tax-Deferred:
Company 401(k) $579
(Invested 60% stock 40% bond)
VFIAX $244
VTSAX $364
VBTLX $
326
Total Tax-Deferred $1,512
Total Assets $2,479
What do you think? I've used FIRECalc and my own homegrown spreadsheet with good results. We have no requirement to leave anything behind - it's OK if our last check bounces
Also any recommendations on AA?
Thanks!
Trooper