tag:blogger.com,1999:blog-32639162.post3455759614104683871..comments2023-12-07T01:00:56.264-05:00Comments on My Wealth Builder: Stress Testing our Retirement SavingsSuper Saverhttp://www.blogger.com/profile/11172939501208456194noreply@blogger.comBlogger3125tag:blogger.com,1999:blog-32639162.post-35920381093206792972009-09-16T23:06:41.669-04:002009-09-16T23:06:41.669-04:00Our company matches investors to financial advisor...Our company matches investors to financial advisors at ClaroConnect.com, so we speak with investors all the time. Many people are feeling that the traditional approach of 60% or more of equities is uncomfortable. A different approach is to guarantee your retirement with bonds, both corporate and TIPS, and supplement the rest with your equity portfolio.Mel and Stacy Martenhttps://www.blogger.com/profile/02574634504054690989noreply@blogger.comtag:blogger.com,1999:blog-32639162.post-39196334698977929832009-09-15T16:28:50.549-04:002009-09-15T16:28:50.549-04:00PFStock,
Agree, Social Security will be around. B...PFStock,<br /><br />Agree, Social Security will be around. But if I can survive financially without it, I will feel better. Who knows, the government may use a means test in the future to decide who qualifies:-) <br /><br />On the stock options, I realize the diversification risk, but still feel it is a good plan to hold and cash them near expiration. If the market keeps advancing significantly, I may cash some early as a hedge. However, just in case the market crashes again, I wanted to test the scenario that they are worthless.<br /><br />Good point on inflation. I'll add that to the list of scenarios to test. <br /><br />I'll let you know how stressed I am after the review :-)Super Saverhttps://www.blogger.com/profile/11172939501208456194noreply@blogger.comtag:blogger.com,1999:blog-32639162.post-65928398597394331522009-09-15T13:19:11.411-04:002009-09-15T13:19:11.411-04:00Personally, I highly doubt that social security wi...Personally, I highly doubt that social security will be completely eliminated. More realistically, payments will likely be less than expected. Also, you can almost certainly expect higher taxes.<br /><br />Am I to understand that you had one-third of your liquid assets in stock options? I hate to rub your nose in it now, but unless you are referring to unvested options that you can't sell, you should have started to liquidate them and get more diversified <i>before</i> you decided to retire.<br /><br />Low growth is acceptable so long as inflation is kept in check. The biggest variable that you haven't mentioned here is inflation. I doubt that anybody can accurately predict where inflation will go, but that is something to think about.<br /><br />Do you feel stressed now?pfstockhttps://www.blogger.com/profile/16235204038486228085noreply@blogger.com