CantThinkofAUserName
Dryer sheet wannabe
- Joined
- Sep 23, 2011
- Messages
- 17
I'm working on calculating my target RE year. I've read a ton of messages on this board, but of course not all! I've finally gotten my health insurance budget to a point I'm comfortable with, which was the one part of my budget I was having trouble with. So now I'm trying to figure what return on investment to use in my calculations. I figure I should expect a slightly larger return on investment accounts that wouldn't be touched for at least 25 years, since I would have none of that in cash, and probably a 70/30 or 75/25 allocation. And I would expect a smaller return on $ that I would be using sooner, since I'd have some in cash, and the rest would probably be 65/35 or 60/40. But I still can't settle on what figures to use. 6% for 25 yr+ and 4% or the shorter? What do you all use? I don't want to be too conservative nor too optimistic. I have used FireCalc also, but want to do my own calculations as well.