I was half-asleep on the divan the other evening, woke up with idea that a fantastic in-retirement portfolio would be to have 15 years of likely withdrawals in a diversified, indexed bond fund, and 15 in a globally indexed stock fund. Simplicity itself -- take what you need to supplement your guaranteed income sources (S.S., annuities etc.), then when that's gone, take another 15 years's-worth from the stock fund and buy the bond portion again. Rinse/repeat! (Well, if you live long enough).
I thought this was so brilliant -- almost guarantees a 30-year retirement, plus gives you a rising-equity glidepath -- I almost created a thread about it. Thankfully this one appeared, and spared me any potential embarrassment in the unlikely event my idea is flawed or worse, unoriginal.![:D]( "Very Happy")
I thought this was so brilliant -- almost guarantees a 30-year retirement, plus gives you a rising-equity glidepath -- I almost created a thread about it. Thankfully this one appeared, and spared me any potential embarrassment in the unlikely event my idea is flawed or worse, unoriginal.
Statistics: Posted by Lawrence of Suburbia — Tue Apr 30, 2024 11:34 pm