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we had 2 years cash going in to retirement , but now that we are in to our third year and our balances are higher than the day we retired we lowered it to just current years cash .
i have social security starting in october too so we don't need as much reserve in cash . the bond funds can fill any cash needs we may run in to that are unplanned . .
Location: Was Midvalley Oregon; Now Eastside Seattle area
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If you have a Funding Ratio (annuity term) of 1.1 then your portfolio can be anything you want to maintain that 1.1+.
We don't have bonds. I believe it's another another thingy to watch, ie FedReserve, Business, housing, unemployment, politics. All we want to know is whether the Index or company is making money and its longterm prospects to make bank.
Normally I keep the Discretionary between 60-80% invested and remainder in cash.
Our Discretionary trading accounts are relatively high cash, preparations to buy a home in cash. Other assets, annuities, rental, current home, SS, and pension are not liquid but represent 75% of retirement funding.
Current age 67/70. Went into retirement 2010 at about 45% deferred annuities, 45% SS and small pension, 10% Discretionary. Today, it's 25% SS+small pension, 25% deferred annuities, 25% rental income, 25% Discretionary (Discret accts are ~4x value of 2010 from internal growth).
YMMV
My discretionary account has a lot of cash as well but it has been up a lot thanks to a couple good semiconductor stocks. My only intention was for it to beat 3% CD rate and so far it has exceeded my expectations.
Last edited by NewbieHere; 07-27-2017 at 06:22 PM..
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