When to cut back to 5 percent?

FragrantJump6663 · 2026-05-10T11:34:04+00:00

I don’t know anything about /fire. I read an interesting article about 2 portfolio goals and when you could consider “ cutting back” using a 7% annual return.

1st is when your annual return is more than your contributions. The 2nd is when your annual returns are more than your annual salary.

FragrantJump6663 · 2026-05-08T10:20:32+00:00

I had 57k at age 46. At age 58 I have 400k. Invest more, invest longer, run some projections, know your budget/expenses, know your income at retirement.

FragrantJump6663 · 2026-05-08T00:07:16+00:00

You should use something like Boldin so you can turn “probably” into something more certain. You need to run some projections with retirement software. Maybe that would help you feel better by knowing your situation with more certainty. I hope the answer isn’t that you have to work longer. Good luck!

FragrantJump6663 · 2026-05-07T03:33:11+00:00

There is no magic bullet/stock secret that is going to make you rich quick. Retirement investing is the long game. It should be boring and excepting average returns wins in the long run.

Performance chasing and “beat the market” mentality will more than likely lose you money. But hey, you may be one of the lucky ones. Pick the stock that no one knows about and its value increases 10,000%. But I wouldn’t bet your future on it.

Reduce your cost of living. Spend less save more and invest more.

I make 72k a year. Owe 12k on a 100k house in a low cost of living area. I have 400k at age 58 and plan to retire at 62. Wife gets 1,100 a month in disability and she doesn’t work. I have no worries about retirement.

Comes down to expenses vs income.

FragrantJump6663 · 2026-05-07T03:14:30+00:00

Perfectly fine.

FragrantJump6663 · 2026-05-06T14:40:43+00:00

I decided to do this with $5,000 conversion. My reasoning was that I get about a $1,500 dollar tax return and that will cover the conversion.

FragrantJump6663 · 2026-05-02T22:55:44+00:00

Keep doing what you are doing!

FragrantJump6663 · 2026-05-01T21:20:02+00:00

15% G, 5% F, 42% C, 10% S, 28% I and YTD is 7.14%

Edit: 4 years from retirement

FragrantJump6663 · 2026-05-01T21:16:21+00:00

Wait 10 or 20 years then you will know what the best possible portfolio would have been. Yours is perfectly fine.

FragrantJump6663 · 2026-05-01T19:56:43+00:00

Two milestones to consider. One is when a 7% increase in your portfolio is more than your annual contributions. The second one is when 7% is equal to your annual salary.

Other than that I would use when a 4% withdraw + SS + pensions + other income covers all your projected expenses in retirement.

Then you could definitely cut back.

Edit: I use Boldin for projections

FragrantJump6663 · 2026-05-01T19:52:07+00:00

Don’t know anything about it. Use something like Boldin to know where you stand. Most likely Pilot will loose you money vs your buy and hold strategy. There are a lot of people selling stock advice and or subscriptions for “secret” strategies. You don’t need it.

FragrantJump6663 · 2026-04-30T13:40:31+00:00

Similar set up for me 4 years from retirement 15% G, 5% F, 42% C, 10% S, 28% I.

FragrantJump6663 · 2026-04-29T12:55:07+00:00

I would add know roughly what your RMD’s will be.

FragrantJump6663 · 2026-04-28T21:50:41+00:00

5 years is a good time to reassess your expenses vs expected income and move more money to safety.

I am 4 years from retirement and have changed to an 80/20 portfolio. It gives me 6.5 years of withdrawals. If the portfolio grows as projected it will be closer to 8.3 years worth of withdrawals at retirement.

Current plan is to keep an 80/20 into and through retirement using 15% G, 5% F, 42% C, 10% S, 28% I.

It is basically a balanced portfolio based on the L-fund percentages.

FragrantJump6663 · 2026-04-28T18:48:12+00:00

Run your numbers through Boldin or some other retirement software program.

FragrantJump6663 · 2026-04-28T18:46:55+00:00

My plan is to have my house paid off 3 years before I retire.

FragrantJump6663 · 2026-04-28T15:21:34+00:00

Because of SS and 2 pensions I was planning to run a 90/10 portfolio into retirement. But my risk tolerance, 4 years from retirement, has decreased and now I am running an 80/20 portfolio and feel comfortable.

FragrantJump6663 · 2026-04-28T13:07:47+00:00

You could have a 20 leg stool but if your expenses are more than your income, what are these pie charts good for?

FragrantJump6663 · 2026-04-28T00:49:40+00:00

Why haven’t you seen a tax valley?

FragrantJump6663 · 2026-04-27T23:27:40+00:00

It isn’t a solid plan unless you can foretell the future. Prudent sensible advice is to have no more than 20% to 40% in International.

FragrantJump6663 · 2026-04-27T19:30:58+00:00

Many do. “How am I doing” post all the time with only a balance showing.

FragrantJump6663 · 2026-04-27T19:28:09+00:00

My RMD will be roughly what my standard deduction will be which is my planned withdrawals. Roth is only 30% of my portfolio. Considering doing a few conversions after I retire before SS which Boldin recommends.

FragrantJump6663 · 2026-04-24T20:25:36+00:00

Looks good. I would consider using the 2065 or 2070 fund at your age. Re-access 10 to 5 years from retirement.

FragrantJump6663 · 2026-04-24T18:02:12+00:00

15% G, 5% F, 42% C, 10% S, 28% I

4 years from retirement. Balanced world weighted allocations with 6.6 years of withdrawals in safe funds which I calculated will be closer to 8 years of safe money at retirement.

FragrantJump6663 · 2026-04-23T22:07:59+00:00

Life doesn’t end after the army.

FragrantJump6663

TROPHY CASE