 |
|
i like the increments for the safety levels
Posted on: May 5, 2025 at 12:22:48 CT
phrejd STL
Posts:
95743
Member For:
16.47 yrs
Level:
User
M.O.B. Votes:
0
i've never been a fan of the 4% rule because it really doesn't factor in expected income or lifestyle in any way. it's just a lump sum based on total saved which is pretty useless.
the 76% in growth feels aggressive but i'm pretty much at 100% now so i guess going down to 76% would feel significant. but still that sounds high.
i wonder what it might look like to go:
- 2 years of income in money market
- 4 years in bonds / CDs / etc
- 6 years in income producing (dividend, reits, etc)
- the rest in relatively aggressive growth
the 76% in growth feels aggressive but i'm pretty much at 100% now so i guess going down to 76% would feel significant. but still that sounds high.
i wonder what it might look like to go:
- 2 years of income in money market
- 4 years in bonds / CDs / etc
- 6 years in income producing (dividend, reits, etc)
- the rest in relatively aggressive growth
Please explain why this message is being reported.
MESSAGE THREAD
- 
i like the increments for the safety levels - phrejd STL - 5/5 12:22:48