Retirement income portfolio

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Topic Author
hawaii808
Posts: 10
Joined: Fri Mar 22, 2019 12:25 am

Retirement income portfolio

Post by hawaii808 » Fri Mar 22, 2019 2:32 pm

I am working on an income portfolio for when I retire next year.

This what I came up with average income is estimated at 5% per year on $2.5 Mil

Ticker Name Allocation
VPGDX Vanguard Managed Payout Investor 30.00%
VTBIX Vanguard Total Bond Market II Idx Inv 20.0 0%
USMV iShares Edge MSCI Min Vol USA ETF 20.00%
MINT PIMCO Enhanced Short Maturity Active ETF 10.00%
VTIBX Vanguard Total Intl Bd Idx Investor 20.00%

What do you think about this?

SlowlySaving
Posts: 45
Joined: Wed Aug 02, 2017 7:49 pm

Re: Retirement income portfolio

Post by SlowlySaving » Fri Mar 22, 2019 2:48 pm

How old are you?
The time horizon will factor in how conservative your portfolio should be.

Topic Author
hawaii808
Posts: 10
Joined: Fri Mar 22, 2019 12:25 am

Re: Retirement income portfolio

Post by hawaii808 » Fri Mar 22, 2019 2:51 pm


bloom2708
Posts: 7217
Joined: Wed Apr 02, 2014 2:08 pm
Location: Fargo, ND

Re: Retirement income portfolio

Post by bloom2708 » Fri Mar 22, 2019 2:55 pm

What is the expense ratio for each fund and what is the placement of each fund?

Is this all taxable? Any Roth, Traditional IRAs?

I'm sure it back tests well. That may or may not say anything about how it performs going forward.

I'd rather see you in a 50-50 stock/bond portfolio with low costs, total market funds and appropriate placement for tax efficiency and growth.
"People want confirmation, not advice" Unknown | "We are here to provoke thoughtfulness, not agree with you" Unknown | Four words: Whole food, plant based

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