Hello everybody,
Is there a mathematical way to factor in a pension to refine my investing goals?
Let’s say (to make the calculations easier) that it is $10.000/yr guaranteed. How should I integrate it in my calculations? Is it equivalent to having $250.000 invested in stocks (I’m thinking about the equivalent of a theoretical 4% withdrawal rate)
Thanks for any thoughts on the subject!
Just calculate your investments needed based on $10k less per year.
[deleted]
Yeah, you’re pretty close.
A pension is a zero volatility fixed income “investment” Thetfore, u can be more aggressive with your other investment dollars.
Using a net present value calculation is a decent way to determine its value. And yeah, at 4% it equals about $250k. I think it’s more accurate to use a 5% or 6% number, though.
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