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"She's older than you, fleg. I suppose her life expectancy is closer to 10-15 years, rather than 35 years.

fleg wrote: "Another consideration, if you go by the "4% is safe" rule, is what her allocation is. The rule has worked in the past if one is in the neighborhood of a 70% S&P500 equivalent with the rest in something equivalent to Treasuries. If the trust and the other accounts are too conservative, that increases the risk of underperformance".

Of the $900,000, 48% is stock funds, 35% bond funds, 18% cash (money market, savings). Perhaps she should put some of the $100,000 in the savings account into stocks and bonds? "

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If she has $900000 in assets and there is any growth above
inflation with 15 years to go - she can consume $60000/year
on the button.

If anything her portfolio may have too much risk - 35% in
bond funds is not the same as 35% in bonds. The bond funds
can lose value - the bonds should be less likely to lose
unless they are GM bonds or equivalent.

Howie52
Her risks are possibly related to long-term care issues and such,
I would think. The $60000 per year value might be a tad lean
if she had to go in for a 15 year stint in a nursing home.

Difficult to say about folks without knowing their situation.
Also, some folks can live on their own for less than others -
and it can be hard to cut back some things more than others.
She can probably describe her needs and wants better than we could
speculate.
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