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Reply to "What growth rate to use in retirement planning?"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Don’t people think 60%in stocks is high for someone retired? I mean they have a limited time horizon. Perhaps if you have a hardy pension that is okay.[/quote] I'm retired (early) and that's basically our allocation. You can't win if you don't play. After years and years and years of overall solid returns in the market it makes little sense to just walk away completely. A 60 percent allocation isn't aggressive -- it's moderate.[/quote] But the accumulation phase was while you were working. And I am not big on saving for my heirs . I feel that they are lucky that I saved enough to support myself (a single woman) for the span of my lifespan. I guess I want to be conservative with at least half of my life savings, now that my last paycheck is in the rear view mirror. (I get no pensions)[/quote]
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