accountingsucks
Recycles dryer sheets
- Joined
- Jan 28, 2006
- Messages
- 346
I posted about thinking of going 100% bonds awhile back and was told this was not generally a wise idea. Surely at some SWR, a 100% bond portfolio becomes plausible. My question is what is that SWR? 1%, 2%?
My dilemma is that I am able to save alot of $ each year relative to living expenses. Basically each year of work allows me to save 3-5 years of bare bones living expenses so I am able to accumulate quickly. I am unsure as to whether to go with a higher SWR in retirement with more equity exposure or with an ultra low SWR with zero equity exposure. Obviously the latter would require more time at work which I'd like to avoid but I would sleep alot better with that alternative.
My dilemma is that I am able to save alot of $ each year relative to living expenses. Basically each year of work allows me to save 3-5 years of bare bones living expenses so I am able to accumulate quickly. I am unsure as to whether to go with a higher SWR in retirement with more equity exposure or with an ultra low SWR with zero equity exposure. Obviously the latter would require more time at work which I'd like to avoid but I would sleep alot better with that alternative.