Personal Investments • If You Are Retiring/Retired: How are you estimating your real annual returns going forward?

I am conservative and estimate zero real returns. Some years I’ll get more, some years less. I also use Monte Carlo simulations to see a wider variety of possible outcomes.

That could lead to over-saving for retirement and inherently working longer than needed.

I don't know if there is over-saving in retirement for most people. What's my expiration date? What's DW's? How much will the final year cost?

If I go first, more for DW. If she goes first, more for the kids.

Statistics: Posted by trueblueky — Thu Jan 11, 2024 5:36 am — Replies 70 — Views 3660

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