Longinvest, would all in lifestrategy 60/40 still be good enough for someone who is retiring very early at 40 yo? Adding that their only income would come from the portfolio except a very small pension when they’re 70yo. What I’m thinking is that during downturns, would it be better to have stocks and bonds separate funds so that you can only sell bonds while stocks are recovering? Or, should they use a few years (2-5?) of expenses in cash and the rest in lifestrategy? They’re are very flexible with their expenses. If they pull 4% there’s about half of discretionary expenses.
Statistics: Posted by Fireishere — Fri May 24, 2024 12:38 am — Replies 939 — Views 258505