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I never rebalance. Three of my accounts are in balanced funds (VWIAX, VTTVX, DODBX), the fourth in a cash account with 3 years' living expenses, the fifth in SCHD-- all stock, that's my 'rising equities glidepath'. Or falling equities glidepath, these days. :D Anyway, I leave my...

Well, that gives me some hope! Thanks

I suppose they'll raise Medicare premiums, too. :(

Trust me, I hope you're right. I retired in 2018 with barely 25x, a "4% Rule"-style retirement; I probably wouldn't survive a 1930s or 1970s scenario. But this is only my own "wall of worry" ...

One must also consider that we're possibly now beginning the next few legs down of a long, grinding bear market. Think 1970s; inflation, stagnant economy, energy price shocks, but add worldwide food shortages, climate change effects, and extreme geopolitical uncertainty as well. Possible...

Thank you for that explanation! Been confusing me for awhile.

OK, here's questions ... I own Schwab Dividend Index ETF (SCHD), and take the dividends as income. People tell me I'd be better off reinvesting the dividends, and selling shares. But if the dividend payout (3.2% at the moment) is the same as the percentage of shares I'd be selling anyway...

I wish I could put my entire bond portfolio into an I-Bond ETF.

Then we're #%@!ed. Marginal retirees like myself will be homeless :frown:

Prepare to see rates rise to well above 10% (if Powell is serious). That's what it will take to stop runaway wage-price spiral. Saver's Revenge! ♡ I'm actually licking my chops; the return of 2-3% CPI, and great SPIA payouts for the over-70s.

Any year after age 70 or preferably at bit more, at a minimum. You get an 8%+ SPIA payout. Add enough to what you're getting from S.S. to pay the basic bills. This reduces the withdrawal rate percentage from your remaining portfolio and, with basics covered, you can increase the percentage of...

I'm tempted to keep my SCHD, due to a) it's amazing NAV increase over time -- pretty much up there with S&P 500 -- and b) it's consistently growing dividends! About 30% of my stash is in it, and I'm hopeful the dividend increase with keep the wolf from the door 'til I fall over.

Bought a SPIA (Single Premium Immediate Annuity) with around 12% of my savings earlier this year. I get about a 7.6% annual payout. Considering I'm trying to stay under the so-called "4% Rule" (I'd be what's considered a "marginal retiree"), it seems a win. My draw from my portfolio has dropped...

Watched all the documentary stuff on DVD 2 of A Passage To India. Now having an iced coffee at an outdoor café. Wondering if I'll get yelled at for starting another Wellington/Wellesley thread.

Buy a SPIA >age 70. Just enough to pay the bills. Done!

Thanks for that info! I'm gonna just stagger onwards with my current 3.3% withdrawals, adjusting for cost increases as needed, I suppose.

(My question only relates to the basic, 3 parameter FIRECalc -- spending, portfolio size, years.) Does FIRECalc include current 2022 inflation in it's calculations? Or does it assume the 'normal' 2-3% inflation we'd gotten used to over the last few decades? (I have no idea how the thing works.)

Does all this mean that conservative balanced funds like VTINX and VWINX might be better investments going forward, for someone in retirement? With inflation of course factored in? ...

Vanguard Wellesley 60% (current income, from dividends only) Vanguard Target Retirement 2015 18% (long term growth) Dodge & Cox Balanced 6% (long term growth) TIAA-CREF Guaranteed Retirement Account (3.5% annuity) 10% Vanguard Prime Money Market 6% (cash reserve) I sleep very well at night.

I'm down 6%!! Six percent!!! I'd throw myself out my window, but I live on the ground floor. ;D Naw, haven't changed a thing. I'm more concerned about my monthly income ... will the inevitable corporate revenue declines lead to cuts in dividends? And how deep, if so? :frown: I live off...

I'm glad I'm retired now, and stuck at home. I had a courier job deemed essential, where I was picking up medical specimens from clinics and hospitals. Were I still working, and given my health issues, I'd have been anticipating severe illness -- and possibly expiring from Covid19-induced pneumonia.

I've got about $50 in my checking account ... enough to get me through the next couple of days!! :)

As long as my monthly dividends don't drop much, I've got at least a beach towel around my midsection. :D Income from my multi-asset fund is everything. I'm not close to being a millionaire, but as long as my basic bills get paid, I'm okay.

Very helpful, thanks. Anybody else? ....

Yup, AMJVX down about 20%. VWINX down about 8% ... crikey! Were one to switch, should one wait 'til the AMJVX shares have recovered, or switch now to the better-performing VWINX? ...