Comments on: Why Retirees Need Equity In Their Portfolios

By: Complete Financial Guide for All Ages | My Dollar Plan

Complete Financial Guide for All Ages | My Dollar Plan — Mon, 28 Jan 2008 13:38:13 +0000

[...] He also included bonus material in a previous article: Why Retirees Need Equity In Their Portfolios. [...]

By: Weekly Dividend Investing Roundup - January 25, 2008 » The Dividend Guy Blog

Fri, 25 Jan 2008 14:58:01 +0000

[...] Quest for Four Pillars show us why retirees should have equities in their portfolio, and more than most people may think. [...]

By: 4% Withdrawal Rule For Retirement | Quest For Four Pillars

4% Withdrawal Rule For Retirement | Quest For Four Pillars — Fri, 25 Jan 2008 10:01:45 +0000

[...] Email Us ← Why Retirees Need Equity In Their Portfolios [...]

By: Four Pillars

Four Pillars — Thu, 24 Jan 2008 16:33:45 +0000

Deepali – I don’t have any links to support the idea that people are retiring earlier but I have read that in various places.
Also from anecdotal information I know that at least some people (like myself) are planning to retire early so if that comes to pass then hopefully I’ll have a long retirement.

WDAMMG – thanks.

SP – You should be able to take out 4% of a balanced portfolio inflation adjusted (I’m posting on this tomorrow). It doesn’t actually matter whether that 4% annual value is from interest, dividends or selling investments.

By: Silicon Prairie

Silicon Prairie — Thu, 24 Jan 2008 15:04:33 +0000

That’s a good point – I’ve been thinking about the way to handle this. After making a few estimates of where I might end up, I noticed that I would definitely want to keep investing in stocks to avoid giving up the returns of the saving years completely.

With a somewhat modest portfolio you might not be able to split it evenly between growth and income and live off the interest of the income part alone, but if you start to take out the principal of that portfolio to allow the growth portfolio more time to accumulate returns, it might be worth it in the long run. Hopefully I’ll be able to make my porfolio big enough that I won’t have to try that

By: WhereDoesAllMyMoneyGo.com

WhereDoesAllMyMoneyGo.com — Thu, 24 Jan 2008 14:58:40 +0000

Great post Mike!

By: deepali

deepali — Thu, 24 Jan 2008 14:31:16 +0000

I must work in a unique field – no one in academia is retiring any earlier than before (and most tend to work even longer). My advisor is 80 and still going strong.

My generation is living longer and healthier (I’m Gen X). I might argue that future generations won’t live healthier (in fact, it is estimated that the current crop of children won’t live as long as their parents).

By: Four Pillars

Four Pillars — Thu, 24 Jan 2008 13:29:15 +0000

FB – That’s true but if you are healthy then at least you have the choice of spending money or not on golf. If you are not healthy then you might have to spend money on drugs, care etc. If you are American then health insurance could be a problem as well.

By: The Financial Blogger

The Financial Blogger — Thu, 24 Jan 2008 12:14:09 +0000

We also have to consider that we will not only live longer but healthier too. Therefore, we will probably spend more at 70 (ie travelling, golfing, etc) than our grand parents did.