yobria wrote:When you are 15 years from retirement, begin shifting a little of your wealth a time to fixed income (I'd go with bond funds and a CD ladder), until, at retirement, FI (plus a 5-10% REIT allocation) represents 50% of your savings. Maintain the 50% ratio through retirement.Nick, this seems a little too conservative for most retirees. A 50/50 equity/bond mix would only be acceptable if a person has a large enough portfolio that he/she will only withdraw about 2.5% a year to live on.Russ
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