UnThreaded | Threaded | Whole Thread (40) | Ignore Thread Prev | Next
Author: friar1610 Big red star, 1000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 63039  
Subject: Question for intercst Date: 11/21/2009 5:23 PM
Post New | Post Reply | Reply Later | Create Poll Report this Post | Recommend it!
Recommendations: 1
I'm sure this has been discussed ad nauseam but I'm too lazy to go back over a year plus of posts to look for it. What was your conclusion on the 4% w/d rate given the financial events of the last year?

FWIW, prior to the downturn, I had decided on an AA of 5% cash with the remainder split evenly between equities and fixed income. (I include my 5 year CD ladder, I Bonds and bond mutual funds as the "fixed" portion of my port.) When things were really bad, I basically "stayed the course" but bought a little bit of Vanguard Total Stock Market Index (nowhere near enough to bring the equities back to parity with bonds.) I'm now back into the low 40% range on the equity side. (Fortunately, my Navy pension plus early SS for both me and my wife means I rarely have to dip into the port.

My guess is that you have also "stayed the course" on believing in the 4% w/d rate, but just curious.

Post New | Post Reply | Reply Later | Create Poll Report this Post | Recommend it!
Print the post  
UnThreaded | Threaded | Whole Thread (40) | Ignore Thread Prev | Next


Foolanthropy 2014!
By working with young, first-time moms, Nurse-Family Partnership is able to truly change lives – for generations to come.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Post of the Day:
Macro Economics

Economic Implications of Cuba
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
Community Home
Speak Your Mind, Start Your Blog, Rate Your Stocks

Community Team Fools - who are those TMF's?
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and "#1 Media Company to Work For" (BusinessInsider 2011)! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.