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Author: intercst Big funky green star, 20000 posts Top Favorite Fools Top Recommended Fools Feste Award Nominee! Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 77402  
Subject: Re: Too aggressive? Date: 11/22/2000 7:14 PM
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wwphoto asks,

My wife and I are 60-year-old retirees. We both have pensions and are planning on taking Social Security at age 62. I calculate that I will need a return on my investments of 6% to 8% to maintain our present lifestyle. My financial planner has me invested in 14 mutual funds with a distribution as follows:......

A 6% to 8% withdrawal rate is very aggressive and it gets even worse when you add in the fees and expenses for a financial planner and the mutual funds recommended by same.

You might want to look at the Retire Early Study on Safe Withdrawal Rates, see link:


Your allocation of 55% stock, 45% fixed income securities is about right for a 20-year pay out period.


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