2021-11-13, 12:32 PM
If you're young and have 30-40 years for retirement, all in high risk to be millionaire. NEVER withdraw at any condition
1. Midcap Grown : 60%
2. Large Cap: 20%
3. Small Cap: 20%
Forget all the bond, target plan, and international, these mutual funds are suck. I have been tracking them for 20 years
Don't move/touch when crash but keep continuing monthly contribute like nothing happens.
When you're ready to withdraw at 60, move 50% in 3 years ahead to low risk such as target plan or bond
If reach 1 mil at 60 and assume 6-10% gain annually, you probably only spend on the gain without touching 1 mil.
That's all my recommend.
This number was based on 10-31-21 when stock was high so it has dropped little bit under 25k and compute from 57-80 year old even though can't take out until 60. Change from 60-80 will up a little bit.
6.6k is constant except 25k is real time daily whatever market changes. I predict the DOW will reach 40k points in the future then 25k will up to 30k.
![[Image: Retirement-Plan-10-31-21.png]](https://i.postimg.cc/Nf4YnrX6/Retirement-Plan-10-31-21.png)
1. Midcap Grown : 60%
2. Large Cap: 20%
3. Small Cap: 20%
Forget all the bond, target plan, and international, these mutual funds are suck. I have been tracking them for 20 years
Don't move/touch when crash but keep continuing monthly contribute like nothing happens.
When you're ready to withdraw at 60, move 50% in 3 years ahead to low risk such as target plan or bond
If reach 1 mil at 60 and assume 6-10% gain annually, you probably only spend on the gain without touching 1 mil.
That's all my recommend.
This number was based on 10-31-21 when stock was high so it has dropped little bit under 25k and compute from 57-80 year old even though can't take out until 60. Change from 60-80 will up a little bit.
6.6k is constant except 25k is real time daily whatever market changes. I predict the DOW will reach 40k points in the future then 25k will up to 30k.