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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]All the reirement withdrawal calculators (4% SWR) use 60% equities/40% fixed income or similar scenario. So you've got your money at that allocation which will support your withdrawal rates. A portfolio just in cash will not support the withdrawals for long.

I have NO idea how I could stomach this kind of uncertainty and volatility whild being retired!!  How is one supposed to have a relaxing retirement worrying about the stock market??[/quote]

I'm very worried for my inlaws. My FIL has a pension that is in trouble, so no guarantee there.  They then have their 401K which is declining by the day.  They also still have a mortgage because they sold their NOVA house for a 700K net profit, financed 400K in a new home and invested the 700K. Bad move in hindsight, but it seemed good at the time. Even though heir mortgage is a 2.75 they are losing money in the market. They would have been better off buying the house in cash.[/quote]

How old are they?  As long as they have cashflow to cover them over the next couple of years, they should be fine.  Markets eventually recover.  If it doesn't, have the write over the house to you guys and move into your house.  That's what we are doing with my in-laws (2 siblings take turns actually).[/quote]

I’d pay their mortgage before I’d have them move here
 FIL smokes a d listens to the news at deafening levels all day long. [/quote]

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