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Strategies & Market Trends : Retirement - Now what?
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To: Drygulch Dan who wrote (125)6/29/2005 7:21:24 PM
From: Windwood   of 288
 
I've gone through this entire thread and was surprised that the allocation theme got lost in the shuffle. Retiring with assets can be a pain indeed! A lot of it depends upon whether or not the objective is to leave some n'er do well a pot of cash or to enjoy the fruits of your labors.

My feelings are to let 'em get their butts out there and work and appreciate the fruits of their labors- just like we (most of us) had to do.

To those young enough to have a few years in which to plan, I run a $5Billion defined benefit plan that has been at the top 2nd decile since it began 30 years ago. I'd like to see any other plan with those stats!! The garbage about the airlines and the auto workers plans "can't succeed because of the unions and their defined benefit plans" is total BS! Here is an allocation tried and tested that works- At least the last 30 years have-

Total Equities- 75%
Growth- 35%
Value - 25%
RE - 10%
Priv - 05%

Total Fixed - 25%
Durat.- 10%
Valuat. 15%

This is a formula for a continuing arrangement. To those that want to live it all (highly advised) you can adjust your "take-out" to 7%. If you really want to leave some to the unappreciative goobers salivating at your deathbed, knock that back to 5 to 6.5% (discouraged, they won't appreciate it any way!)
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