mathjak107
Well-known Member
- Location
- bayside ,queens , ny
We have never ever had a 10 or 20 year period where a 50/50 portfolio lost money with diversified funds
sure it could , but odds are very low .
the bigger risk is trying to draw 4% or so off a portfolio,inflation adjused to live on ,without investing in equities .
that has failed already to last 64% of the last 129 -30 year rolling periods we had . Anything more than a 10% failure rate is considered to risky
which seems the bigger risk ?
even at 65 we still have money we won’t need to eat with for 20 to 30 years god willing and that is still long term money.
there are all weather portfolios that over the long term.are designed to be bullet proof for those who are very conservative .
fixed income without equities is a guaranteed loss after inflation and taxes.
sure , one can take a draw rate so low they can stuff it in a mattress but to make such inefficient use of the money one scrimped and saved their whole lives makes no sense to me.
there are enough low ulcer portfolios out there that are lower risk that taking the risk of NOT investing is the largest risk
sure it could , but odds are very low .
the bigger risk is trying to draw 4% or so off a portfolio,inflation adjused to live on ,without investing in equities .
that has failed already to last 64% of the last 129 -30 year rolling periods we had . Anything more than a 10% failure rate is considered to risky
which seems the bigger risk ?
even at 65 we still have money we won’t need to eat with for 20 to 30 years god willing and that is still long term money.
there are all weather portfolios that over the long term.are designed to be bullet proof for those who are very conservative .
fixed income without equities is a guaranteed loss after inflation and taxes.
sure , one can take a draw rate so low they can stuff it in a mattress but to make such inefficient use of the money one scrimped and saved their whole lives makes no sense to me.
there are enough low ulcer portfolios out there that are lower risk that taking the risk of NOT investing is the largest risk
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