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Subject:  Re: Question for intercst Date:  11/21/2009  8:43 PM
Author:  temsike Number:  21738 of 116931

intercst, why don't you spend more? Like double what you're spending now?

You're not married. You have no kids. I know you're not getting older; you're getting better; but what are you saving it for?

With a 80/20 stock/FI ratio and only a 2% annual withdrawal rate, you're looking at leaving a lot of money on the table when you die.

To whom will you leave it?

For the OP, I'd say that with every 1% of AWR (annual withdrawal rate) you should have 10% in fixed income.

intercst spends 2% per year therefore he can sport a very aggressive 80/20 portfolio.

Me? I'm planning on spending 4% per year when I retire again in one to two years. Thus, I'll have 40% in fixed income at retirement.
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