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Subject:  Re: 70 year old looking for asset allocation? Date:  8/26/2011  6:19 PM
Author:  intercst Number:  69471 of 78168

JLC makes a good point about life expectancy.

For example, with a husband and wife both age 70, there is at least 10% chance one of them will live another 30 years to age 100 and more than a 25% chance one will live to age 95.

I'd plan for a 30-year pay out period with a 60% stock/40% fixed income allocation. Here's one using Vanguard and Bridgeway fund