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Message: <blockquote data-quote="Oldfart" data-source="post: 2631535" data-attributes="member: 64407"><p>I will be fortunate enough to be able to replace 100% of my current salary when I retire providing the market doesnt have a repeat of 2008 in the next 1 1/2 years.   The 5% you mention is very doable as part of that.  The 8% return is just a little aggressive for my habits when I do call it quits.  I am getting about 8% overall now but have been slowly moving things to more conservative markets in preparation for retirement.  In 2008,  the market lost about 37%.  It took many portfolios till 2012 or so just to get back that 37%.  I don't want to have to adjust my lifestyle during retirement if the market decides to repeat that era. When I retire, I will be shooting for a modest 4% return and will live happily ever after with that. Anything above that will just add to what my kids will get when that time comes.</p></blockquote><p></p>