fisherman
Full time employment: Posting here.
- Joined
- Jul 7, 2007
- Messages
- 501
If you owned two homes and planned to sell one several years down the road, 10+, would you consider its value in you portfolio for SWR calculations? I would think the only safe way to do this would be to use the tax appraisal and then not inflate its value so that it might still be worth at least that amount when you actually sold it. Additionally I would assume the SWR for the portfolio would have to still be around 4% without factoring the value of the second home so that the account is not depleted to quickly.
The problem with the above assumptions is a 4% SWR without the second homes value factored in becomes a very small SWR once the second home is sold. I realize that provides a future cushion but is it at the expense of current possible living?
Thanks in advance for any help in clarifying this.
The problem with the above assumptions is a 4% SWR without the second homes value factored in becomes a very small SWR once the second home is sold. I realize that provides a future cushion but is it at the expense of current possible living?
Thanks in advance for any help in clarifying this.