ERD50
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
? Keep it Simple. ?
? Keep it Simple. ?
50-50, 60-40? - you are over-thinking this.
? Keep it Simple. ?
If I followed your numbers right, you have ~ $785K portfolio, and plan on ~ $30K spend? That is a 3.832% WR. I forget your age, but when I plug that into FIRECALC for a 40 year profile, and hit 'Investigate' to see how various AA's do, see the attached.
Now, given the vagaries of past/future performance, does anything in the range of 60-100% look 'riskier' than 50% AA? It's pretty flat from 60% to 100%, no? If I got the numbers right, what I might be more likely to question is whether a 3.8% WR is too aggressive for ER, regardless of AA.
? Keep it Simple. ?
Stop it then. You see, no one is suggesting you allocate ANY money to any specific market segment - but you keep using that as an 'excuse' as to why you can't DIY. Just hit the broad market with a broad AA and call it a night.
? Keep it Simple. ?
-ERD50
I know this is somewhat of a dumb question about AA since it is up to us what we are willing to risk, but staying in that 60-40 ratio is a bit of a classic. ... If I went to 1/3 International, 1/3 Wellesley, 1/3 Wellington that would push me just over 60% stocks wouldn't it? Or would a 50-50 combo be enough to get us what we need with a bit less risk? ....
? Keep it Simple. ?
50-50, 60-40? - you are over-thinking this.
? Keep it Simple. ?
If I followed your numbers right, you have ~ $785K portfolio, and plan on ~ $30K spend? That is a 3.832% WR. I forget your age, but when I plug that into FIRECALC for a 40 year profile, and hit 'Investigate' to see how various AA's do, see the attached.
Now, given the vagaries of past/future performance, does anything in the range of 60-100% look 'riskier' than 50% AA? It's pretty flat from 60% to 100%, no? If I got the numbers right, what I might be more likely to question is whether a 3.8% WR is too aggressive for ER, regardless of AA.
? Keep it Simple. ?
Can't help but doubt myself......I thought Janus Global Tech funds were a good place to be in the late 90's.....ouch.
Stop it then. You see, no one is suggesting you allocate ANY money to any specific market segment - but you keep using that as an 'excuse' as to why you can't DIY. Just hit the broad market with a broad AA and call it a night.
? Keep it Simple. ?
-ERD50