I'm putting my numbers into online calculator and I have a question about the rate of return prior and after retirement.
are 9% prior and 7% after, reasonable numbers?
I play with the numbers and if I increase the prior number to 10%, I see a HUGE jump, which means I can retire a couple of years earlier. my question is where do they come up with the 9% and 7% and do they sound right?
right now I have my portfolio set to medium/moderate risk which comprise of:
10% aggresive stocks
35% moderate stocks
35% conservative stocks
20% fixed income/bonds
should I move mine to aggresive mode which comprise of:
25% aggressive stocks
50% moderate stocks
15% conservative stocks
10% fixed income/bonds
the problem is that if I set mine to aggressive, what percentage does this move the rate of return up to?
I understand that the market isn't as linear we would like, but based on historical percentages, are the 9% and 7% rate of return accurate values for a moderate risk 401K portfolio?
what age can you retire?
thanks
are 9% prior and 7% after, reasonable numbers?
I play with the numbers and if I increase the prior number to 10%, I see a HUGE jump, which means I can retire a couple of years earlier. my question is where do they come up with the 9% and 7% and do they sound right?
right now I have my portfolio set to medium/moderate risk which comprise of:
10% aggresive stocks
35% moderate stocks
35% conservative stocks
20% fixed income/bonds
should I move mine to aggresive mode which comprise of:
25% aggressive stocks
50% moderate stocks
15% conservative stocks
10% fixed income/bonds
the problem is that if I set mine to aggressive, what percentage does this move the rate of return up to?
I understand that the market isn't as linear we would like, but based on historical percentages, are the 9% and 7% rate of return accurate values for a moderate risk 401K portfolio?
what age can you retire?
thanks
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