No. of Recommendations: 0
Tedferg,

<<Good series of posts, I also went back to Pixy's earlier post and Rayvt Retirement Drawdown Portfolio. I thonk Orangeblood had a premise about 'safely being able to fund retirement AND not worrying about leaving anything to Heirs' It would seem the difference in various options is the growth in the value of the protfolio - they all seem to fund retirement cash flow.
So some basic questions that I hope are relavent:
1) Many people say 8% average is doing well over longhaul.
2) Investment money should only be funds you do not need for five plus years.
3) Peter Lynch et al who show that full investment in equities is always the best.
4) Common advice that a retiree should be 50% bonds

These points seem to be at odds with each other,or is it just ones tolerance for fluctuations ?

The 5% of 20 seems reasoable - Peter Lynch and all things considered. However I am tempted to think 'Use 8% not 11%; take a little hedge in Bonds; don't be tempted by potential for large portfolio for Heirs' and then it falls apart. Maybe you have to be fully invested and have enough to ride out down years, plus courage for the ride ????>>

I don't think the differences you see are anything more than the "fear" factor. Everyone IMHO has to deal with that in their own fashion. My biggest fear is underestimating inflation and/or my lifetime. In that regard, I tend to favor a more conservative approach in sustainable drawdown.

Regards…..Pixy
Print the post  

Announcements

The Retirement Investing Board
This is the board for all discussions related to Investing for and during retirement. To keep the board relevant and Foolish to everyone, please avoid making any posts pertaining to political partisanship. Fool on and Retire on!
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
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.
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 Glassdoor #1 Company to Work For 2015! 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.
Advertisement