Comrades,
Assuming our current pot of gold consists of:
400k liquid
200k paid off house
100k pension value (including employer matching funds)
Now we're definitely going to sell this house in 5-6 years when we retire, as we live near this big city because of work and plan on doing a good bit of rambling both overseas and in the US.
The pension will be cashed out as wife would have to work until 55 to get it and we're still in our 30s should be retired early 40s. Overall it's a great deal since they match 100% of her contributions and give a set rate of return currently 8%.
So... in your opinion does that portfolio inherently contain 43% (relatively) stable investments so the other 400k should be invested more aggressively or should the 400k be looked at as the portfolio and done 70/30?
Replies appreciated, thanks in advance.
Assuming our current pot of gold consists of:
400k liquid
200k paid off house
100k pension value (including employer matching funds)
Now we're definitely going to sell this house in 5-6 years when we retire, as we live near this big city because of work and plan on doing a good bit of rambling both overseas and in the US.
The pension will be cashed out as wife would have to work until 55 to get it and we're still in our 30s should be retired early 40s. Overall it's a great deal since they match 100% of her contributions and give a set rate of return currently 8%.
So... in your opinion does that portfolio inherently contain 43% (relatively) stable investments so the other 400k should be invested more aggressively or should the 400k be looked at as the portfolio and done 70/30?
Replies appreciated, thanks in advance.