Midpack
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Just for the record pb4uski is way more adept at bonds than most. Not that it's good/bad or a reason to hold less equity, just that he can probably generate more income with less risk in fixed income than 99% of us.I think pb4uski is the only one lower than me. I too am in more of a preservation mode with 35% equities. The rest is a MYGA, CD’s and cash. I may let the equity portion inch up over time but don’t imagine going over 50% equities. The main function of my portfolio is to cover inflation and lumpy expenses since my pension and SS cover all of my essential spending and most of my discretionary spending. My withdrawal rate is less than 1%.
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