Retirement Portfolio

Aust super funds min withdrawal rates Under 65 4.0% 65–74 5.0% 75–79 6.0% 80–84 7.0% 85–89 9.0% 90–94 11.0% 95 or more 14.0%

60% Stocks / 20% Gold / 20% Short Term Treasuries Initially value USD 1.3M June 2026

LYN ALDEN PORTFOLIOS

Aggressive - 80% invested in a variety of equity funds, 10% in bonds, 5% in real estate, and 5% in gold. Initially value USD 300K Aug 2026

Moderate - 70% invested in a variety of equity funds, 20% in bonds, 5% in real estate, and 5% in gold. Initially value USD 300K Aug 2026

Conservative - 60% invested in a variety of equity funds, 26% in bonds, 7% in real estate, and 7% in gold. Initially value USD 300K Aug 2026

WEIRD PORTFOLIO   US small value, international small, real estate, long term treasuries, and gold. Equally weighted, 20% in each asset class (VBR 20% VSS 20% VNQ 10% VNQI 10% SGOL 20% VGLT 20%)

Morning star Examples for Savers and Retirees Morning star model portfolios Fidelity Total Market Index FSKAX Bucket 1 8%: Cash Bucket 2 32%: Vanguard Total Bond Market Index/ETF VBTLX BND Bucket 3 40%: Vanguard Total Stock Market Index/ETF VTSAX VTI 20%: Vanguard Total International Stock Index/ETF VTIAX VXUS