mathjak107
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Jul 27, 2005
- Messages
- 6,208
im 60 and retiring in 2 years although we could pull the plug at any point.
i have been following the fidelity insight newsletter since 1987.
until about 5 or 6 years ago i followed the growth model and shifted over to the more conservative income and capital preservation model just before the downturn.
that model was typically about 30% equities with the balance being all different mixes of asset classes at times.
well this year after merging with fidelity monitor they changed over to a full income model and as of now we have less than 10% in equities and that 10% is only because some of the bond funds act more akin to stocks.
its about 70% less volatile than the s&p 500 and for now has little equities, but that can change off in the future.
we are getting a 3-4% yield and are up overall about 8% this year.
my projections show i need about 3% from savings from 62 to 66 and once ss kicks in ill need 2% so for us the model is perfect with low risk.
i have been following the fidelity insight newsletter since 1987.
until about 5 or 6 years ago i followed the growth model and shifted over to the more conservative income and capital preservation model just before the downturn.
that model was typically about 30% equities with the balance being all different mixes of asset classes at times.
well this year after merging with fidelity monitor they changed over to a full income model and as of now we have less than 10% in equities and that 10% is only because some of the bond funds act more akin to stocks.
its about 70% less volatile than the s&p 500 and for now has little equities, but that can change off in the future.
we are getting a 3-4% yield and are up overall about 8% this year.
my projections show i need about 3% from savings from 62 to 66 and once ss kicks in ill need 2% so for us the model is perfect with low risk.
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