Z3Dreamer
Thinks s/he gets paid by the post
I am a buy and hold mutual fund kind of guy. I have, pretty much, the same funds you do. I have between 60% and 65% equities.
I wrote down the ticker symbols on my top 10 or so mutual funds comprising the bulk of my portfolio (equities and fixed). Looked up their 15 year total returns. When they had been around less than 15 years, I used whatever benchmark Morningstar suggested. Averaged them to 8%.
Then I dreamed what I could do with an 8% SWR instead of whatever conservative rate I am using.
Naysayers, please breath deep, as I already know the negatives. Just dream with me....
I wrote down the ticker symbols on my top 10 or so mutual funds comprising the bulk of my portfolio (equities and fixed). Looked up their 15 year total returns. When they had been around less than 15 years, I used whatever benchmark Morningstar suggested. Averaged them to 8%.
Then I dreamed what I could do with an 8% SWR instead of whatever conservative rate I am using.
Naysayers, please breath deep, as I already know the negatives. Just dream with me....