gayl
Thinks s/he gets paid by the post
Obviously my AA and yours is drastically different but then I normally don't mind the drops as I buy the ups and downs. BUT if your FA is tuned into your risk tolerance and your Monte Carlo is good, I'm not sure I'd changeBeing apparently so woefully behind the majority here, .... 62 y/o, and AUM of abt. 2.2m at this point, no debt, own home, low COLA. Have a longtime hourly FA .... much of his advice seems oriented to keeping the PF in line with my risk tolerance.... 100% success under all moderate AA Firecalc simulations I've run for a 30 year horizon...
If inclined to play with it, try a split between total stock market ETF / bond. In my legacy brokerage (GKs inheritance) I do SCHB / PWZ (California tax free to keep taxes low, find one for your state). Try running it on a relatively small amount compared to your NW (100K) for 3 - 6 months and then reevaluate
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