How to Prepare for the Mid 90s

If she decides to take Social Security now, let's assume it's about an $18,000 annual payment that you'll get. She really needs to prepare for the mid 90s or deliver to her mid 90s. Non-US stocks have higher expected return because their dividend yields are higher and their valuations are lower. Just moving to a global stock fund, Vanguard VT, is an example of a global stockFund.