Once upon a time being a millionaire was quite an accomplishment. Back when a new car cost $3,000 and a new house $20,000. Now you can be a millionaire because you bought a house in California 30 years ago for $100,000 and today its worth $1,000,000. I would guess that most comfortable retirements consist of being debt free, having social security,a small pension and cash flow from a modest reliable investment portfolio.
As an aside. If you have a $1,000,000 IRA you take out 4% per year. You get $40,000 and your advisor gets $10,000 per year or 20% of the annual withdrawal. Then at 70 1/2 you have mandatory RMD's that require increasing percentage withdrawals until the $$$ is depleted. Sounds like a good reason to consider a Roth IRA IMO>
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