No. of Recommendations: 0

<<<I do not recall whether there are survivor benefits to you after she dies, but the IRR calculation assumed that you wife would live for another 27 years.>>>

"The fun thing with spreadsheets is that you can do what-if scenarios to better fit your situation. Hopefully the OP will do so. One potential error in your analysis, is that she may be able to retire earlier than your assumption. I believe 60 is a possibility."

Possibly. It was not clear in my earlier post (unless you clicked ont he linked table), but the 26.87 life expectancy was for a 57 year old woman.

If instead OP's wife can retire at sixty, she may be only 52, in which case average life expectancy would be 31.24, which would clearly change the analysis, but still subject to the wife's general health and gene pool, and still subject to the questions regarding payout choices previously noted.

Regards, JAFO
Print the post  


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.
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.