My current SS benefits as per ssa.gov is around $3400 based on my contributions over the last 22 years.
BUT, I expect to be outside US with no earnings in US for the next few years at least.
- I'm looking to see how I would get in SS benefits, I'm assuming it would decrease
- Any calculators I can use
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Emergency funds: More than required (please see cash position)
Debt: 0
Tax Filing Status: Married Filing Jointly
Tax Rate: 30% (international, out of the country now and for the next 3-4 years)
State of Residence: Currently in Asia, but CA
Age: 44
Desired Asset allocation: 70/30 (looking for recommendation on Intl stock allocation)
Current retirement assets
Cash : 500K
RE : 480K (all paid off)
Monthly expense : 1.2K USD on average (living expense)
Yearly income : 100-140K USD (varies based on my consulting gigs)
Taxable
800K (in stocks, please see the composition below)
His 401k
350K
Contributions
New annual Contributions
None to 401K since I'm outside the country, but I do have contribution of 20K in retirement plan at my current residence.
Allocation across taxable and 401K
Asset Type Breakdown % of Portfolio
Domestic Large Cap Stock 47.61%
Domestic Mid Cap Stock 2.16%
Domestic Small Cap Stock 1.53%
Real Estate 0.27%
International Stock 6.60%
Emerging Market Stock 1.34%
Investment Grade Bond 4.93%
Muni Bond 1.65%
High Yield Bond 1.23%
International Bond 0.38%
Short-term Cash/CDs 31.82%
Commodities 0.44%