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View Poll Results: Which of the statements below best describes your RE portfolio goals?
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Capital preservation is my primary goal. Income from dividend and interest income is my secondary goal. (This implies that the portfolio is sufficiently large that withdrawals will not exceed yield, or that there is another source of income.)
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16 |
17.39% |
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Capital preservation is my primary goal for the first few years. After that, my primary goal will change to income generation. (This retiree either has a cash "bucket" or part time w*rk)
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17 |
18.48% |
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Income generation is my primary goal from Day 1. My capital may be partly depleted over time, but I hope to have some residual capital to leave as a legacy.
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21 |
22.83% |
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Income generation is my primary goal from Day 1. My capital may be partly depleted over time, but I want to keep enough to purchase an annuity at a later date.
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1 |
1.09% |
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Income generation is my primary goal. I am also hoping for some capital appreciation for the first X years. (This implies that expected portfolio yield exceeds income requirements early in retirement; this portfolio is probably large.)
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19 |
20.65% |
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I have retirement income sufficient to meet my needs independent from my portfolio, which I can spend, or not, at my discretion. (This retiree has a COLA'd pension and healthcare is covered).
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18 |
19.57% |
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04-20-2010, 03:49 PM
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#41
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Thinks s/he gets paid by the post
Join Date: Dec 2009
Location: Alberta/Ontario/ Arizona
Posts: 3,393
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 Quote:
Originally Posted by Eagle43
I picked the last option. It's a direct result of our LBYM lifestyle (cheap bastardhood), and the pensions and ssan we accumulated over the years. Anyway, we still save/invest using part of our pensions. We owe nothing, no house or car payments, no debts, period. As to the poll, Capital and Income preservation make me happy. I have become even more conservative, thanks to the recent economic mess. I try to follow Bogle's formula; have your age (67 next month) in bonds.
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So your goal must be to leave a large estate for your heirs? Otherwise your self description seems apt.
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04-21-2010, 06:38 AM
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#42
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Thinks s/he gets paid by the post
Join Date: Jan 2005
Location: DFW
Posts: 2,016
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Quote:
Originally Posted by Danmar
So your goal must be to leave a large estate for your heirs? Otherwise your self description seems apt.
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Actually, my goal is financial independence. And yes, the self description is valid.
__________________
Resist much. Obey Little. . . . Ed Abbey
Disclaimer: My Posts are for my amusement only.
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