Hi folks.
Wife and I are both 47. Firecalc tells me that if I had to, I could retire today (100% success rate). However, I still enjoy my job and want more of a cushion before pulling the plug. I would say that the chances of me retiring in the next 5 years are quite high.
Our current AA is 75/25. It seems to me that your AA should not just depend on your age and expected lifetime, but also whether you are accumulating or withdrawing. Possibly other factors as well.
So, my question is - how do you determine your AA when you (semi-)retire early? I can provide financial info if that would help.
Thanks.
Wife and I are both 47. Firecalc tells me that if I had to, I could retire today (100% success rate). However, I still enjoy my job and want more of a cushion before pulling the plug. I would say that the chances of me retiring in the next 5 years are quite high.
Our current AA is 75/25. It seems to me that your AA should not just depend on your age and expected lifetime, but also whether you are accumulating or withdrawing. Possibly other factors as well.
So, my question is - how do you determine your AA when you (semi-)retire early? I can provide financial info if that would help.
Thanks.