For retirees only?
Just wondering......Right now I keep about 25% or 3 years worth of retirement income in safe funds because I figure that's what I would need to ride out a market downturn. I then have another 20% in a 2025 target date fund which, as you know is diversified. The rest (55%) I keep in an SP500 index fund.
?
I see you have taken that magical youth elixir again.
We know in spirit you still are that same young girl ...Yep!! In reality I'm a white haired old lady. My avatar photo was taken when I was a teenager, back in Hawaii.
If you are retired and 3 years spending is 25% of your total stash that equals an 8 percent plus withdrawal rate!?
Did I misunderstand the metrics of your post?
Yep!! In reality I'm a white haired old lady. My avatar photo was taken when I was a teenager, back in Hawaii.