Thread: Retirement Advisors
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Old 06-14-2018 | 04:53 AM
  #14  
742Dash
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From: Retired
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Originally Posted by Tummy
Live on $60,000 per year.

Stocks ? Part XIII: The 4% rule, withdrawal rates and how much can I spend anyway?

This would allow one to pay $0 in taxes.

https://www.gocurrycracker.com/never-pay-taxes-again/

Allocate your portfolio as follows:

75% - Total Stock Market Index Fund
20% - Total Bond Market Index Fund
5% - Money Market Fund

Stocks ? Part VI: Portfolio ideas to build and keep your wealth

Next question?

Stocks ? Part IX: Why I don?t like investment advisors
We are in a world where CAPE is at 32.99 and the 10 year treasury is at 2.94%. 4% for anyone nearing retirement is extremely optimistic.

I am not a fan of financial advisors, but neither am I a fan of simplistic financial advice.

I suggest that you look to academic papers on this subject. Pfau is a good starting point.
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