No. of Recommendations: 2
Recommendations: 1

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 funds.

thank you very much for the example portfolio.
are there any etfs I could in place of the mutual funds VFSUX,VAIPX, and BRSIX?

$200,000 VFSUX Vanguard Short-Term Bond Admiral Shares 0.10% $200
$200,000 VAIPX Vanguard Inflation-Protected Securities Fund-Admiral Shares 0.11% $220
$250,000 VTI Vanguard Total Stock Market ETF 0.07% $175
$50,000 BRSIX Bridgeway Ultra-Small Company Market Fund 0.66% $333
$50,000 VBR Vanguard Small-Cap Value ETF 0.11% $55
$150,000 VEU Vanguard FTSE All-World ex-US ETF 0.25% $375
$50,000 VWO Vanguard Emerging Markets ETF 0.25% $125
$50,000 VNQ Vanguard REIT ETF 0.10% $50
------- . ------- -------
$1,000,000 = Total Portfolio Total Portfolio Expense = 0.15% $1,533

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