brett
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Apr 24, 2010
- Messages
- 6,592
I consider my DB as part of my fixed income allocation. But I certainly do not sweat the details down to the nearest $50K. And I clearly understand that the imputed value as a fixed income allocation is declining each year. Those allocations change based on market conditions. Could be anywhere from 50-75 percent equities depending on the market and the economy.
My focus is on the gap between guaranteed income flows and our desired retirement budget. Adjusted for future ROI, market fluctuations, inflation, potential change of asset allocations as we age, etc. All measured on an after tax basis. I am more concerned with cash flow than I am with a desire to include our DB and Government pensions to inflate our net worth.
My focus is on the gap between guaranteed income flows and our desired retirement budget. Adjusted for future ROI, market fluctuations, inflation, potential change of asset allocations as we age, etc. All measured on an after tax basis. I am more concerned with cash flow than I am with a desire to include our DB and Government pensions to inflate our net worth.