I suggest to keep 1-2 year of expenses in cash ready state. Example CD ladder, TBill ladder or bond ladder.
Suggesting because in 2022 both stocks and bond funds had about 20% down run.
Compared to 2021 numbers, bond funds are still down.
The strategy is not perfect but it does offer cushion in case of a downturn where your withdrawal rate is not higher then planned rate.
Suggesting because in 2022 both stocks and bond funds had about 20% down run.
Compared to 2021 numbers, bond funds are still down.
The strategy is not perfect but it does offer cushion in case of a downturn where your withdrawal rate is not higher then planned rate.
Statistics: Posted by NabSh — Sat Jan 13, 2024 5:52 am — Replies 22 — Views 2793