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Subject:  Re: Lost Decade Recap Date:  12/7/2010  3:16 PM
Author:  akck Number:  4908 of 5088

Over the last 10 years, I've hit my investment target 4 times, however, I didn't know I has hit it until the third time. Over this time, my retirement age went from 66+ down to 60, the earliest I'd have health insurance without paying extra. The main reasons for reducing my retirement age are that my retirement income sources and retirement expense projections have firmed up. That is, I know within a few $$ what my DB and SS income will be and being within 3 years of retirement, I'm fairly certain of my expenses.

My investment target went from $1 million, when I didn't have any idea of what I would need, down to around $250k about 2 years ago. Retirement age was based on how long it would take to reach that target, so as the target reduced, so did the age. Likewise, my projected return varied as the target reduced, so I set up my spreadsheet to show returns from 3-18%. The idea was to determine what would be the smallest return that would get me to my target and invest accordingly.

I also