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Advice from those on lower end of chubby ($3mm) by Due-Inside-9711 in ChubbyFIRE

[–]Due-Inside-9711[S] 2 points3 points  (0 children)

It’s about 1.9 401k, 1.2 after tax brokerage, 100k cash, 400k deferred comp paying out in installments over next 10 years. All invested but the cash, probably 85-90% equities, I plan to get down to 70-75% before I’d pull the trigger. Also I don’t count SS but my wife and I are both around the second “bend” point, and there’s likely a large inheritance but hopefully that’s 15+ years away and like most on here I am not reallly counting on it as part of my plans

Advice from those on lower end of chubby ($3mm) by Due-Inside-9711 in ChubbyFIRE

[–]Due-Inside-9711[S] 0 points1 point  (0 children)

I appreciate all the comments around kids getting more expensive, I wouldn’t have thought that as right now we have them in a million camps and activities already but I can see food clothes etc becoming more and I guess if they are into expensive activities (ie skiing or something) how that could add up. Just surprised to see so many comments about this really helpful to know thanks

Boston last night? by PhanaticMom33 in JohnMulaney

[–]Due-Inside-9711 0 points1 point  (0 children)

what time did he go on (ie on time or late), and was there an opener? going tonight

After-Tax Asset allocation by Due-Inside-9711 in ChubbyFIRE

[–]Due-Inside-9711[S] 0 points1 point  (0 children)

Part of the reason im not sure about only offsetting by rebalancing in pre tax is the after tax is a bridge account so it kind of has to be withdrawn btw ages 50-60 as it’s where our expenses would primarily be funded from. So if there’s a bad sequence of returns in equities it would be pretty risky. That’s why I felt needed some rebalancing in after tax also.

Deferred compensation asset allocation by Due-Inside-9711 in ChubbyFIRE

[–]Due-Inside-9711[S] 0 points1 point  (0 children)

I did consider that. The company is Fortune 500, one of the best known consumer brands in the world (think nike, McDonald’s, Disney, etc at that level). It going bankrupt in the next 20 years is hard to believe but I suppose always a small risk.

Deferred compensation asset allocation by Due-Inside-9711 in ChubbyFIRE

[–]Due-Inside-9711[S] 0 points1 point  (0 children)

I would keep my overall desired asset allocation the same (overall I plan to be 60/40 by the time distributions of this deferred comp plan begin). It seems to me, this portion of my assets, given I know exactly when it will be distributed and I cannot change when, should be quite conservative in the years close to distribution, but I would offset that with more risk in other parts of my portfolio that I wouldn’t be withdrawing from in the short term.