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Author: JAFO31 Big gold star, 5000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 74759  
Subject: Re: Buy years or buy stocks Date: 9/13/2013 3:50 PM
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akck:

<<<I do not recall whether there are survivor benefits to you after she dies, but the IRR calculation assumed that you wife would live for another 27 years.>>>

"The fun thing with spreadsheets is that you can do what-if scenarios to better fit your situation. Hopefully the OP will do so. One potential error in your analysis, is that she may be able to retire earlier than your assumption. I believe 60 is a possibility."

Possibly. It was not clear in my earlier post (unless you clicked ont he linked table), but the 26.87 life expectancy was for a 57 year old woman.

If instead OP's wife can retire at sixty, she may be only 52, in which case average life expectancy would be 31.24, which would clearly change the analysis, but still subject to the wife's general health and gene pool, and still subject to the questions regarding payout choices previously noted.

Regards, JAFO
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