OP,
Round up numbers to make it simple.
A) 1.4 million 80/20 with 300K mortgage, annual expense 80K with 10K of PI mortgage payment.
In the coming recession, stock market drops 50% and both unemployed.
1.4 millions loses 40% becomes 840K. With 80K of annual expense, you can lasts 10.5 years.
B) 1.1 million 80/20 without 300K mortgage, annual expense 70K
In the coming recession, stock market drops 50% and both unemployed.
1.1 millions loses 40% becomes 660K. With 70K of annual expense, you can lasts 9.4 years.
C) 1.4 million 70/30 with 300K mortgage, annual expense 80K with 10K of PI mortgage payment.
In the coming recession, stock market drops 50% and both unemployed.
1.4 millions loses 35% becomes 910K. With 80K of annual expense, you can lasts 11.3 years.
(B) is not safer than (A).
KlangFool
Round up numbers to make it simple.
A) 1.4 million 80/20 with 300K mortgage, annual expense 80K with 10K of PI mortgage payment.
In the coming recession, stock market drops 50% and both unemployed.
1.4 millions loses 40% becomes 840K. With 80K of annual expense, you can lasts 10.5 years.
B) 1.1 million 80/20 without 300K mortgage, annual expense 70K
In the coming recession, stock market drops 50% and both unemployed.
1.1 millions loses 40% becomes 660K. With 70K of annual expense, you can lasts 9.4 years.
C) 1.4 million 70/30 with 300K mortgage, annual expense 80K with 10K of PI mortgage payment.
In the coming recession, stock market drops 50% and both unemployed.
1.4 millions loses 35% becomes 910K. With 80K of annual expense, you can lasts 11.3 years.
(B) is not safer than (A).
KlangFool
Statistics: Posted by KlangFool — Sat Jan 27, 2024 9:15 am — Replies 49 — Views 1652