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Money and Finances
Reply to "How much do people have saved for retirement?"
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[quote=Anonymous]You had enough now you don’t. Why, interest rates are very low and stock prices very high. As recently as 2011 you could get 5 percent investment grade Munis and up to a few months ago three percent investment grade Munis, we also had decent. CD yields up to early March 2020 and treasury rates. So on a typical 60/40 stock bond portfolio a 65 year old has to start retirement you 40 is broken, but stocks are all time highs which means dividend income is low. Add in the 401k is taxable income it won’t last long. Ironically my stock broker when I used to have one starting at 35 years of age he took 1/2 his bonus and bought a 30 year non callable Investment grade muni z-coupon bond. He is laddering years 65 to 85. [/quote]
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