Though a good read it does not address allocations across asset classes. Putting 100 minus age into equities alone is unlikely to happen as you just cant ignore real estate and other such.
the message is save early or else as the age increases so does the expenses and saving 40% and 50% will be practically difficult to achieve. the moral of the story is save at the earliest possible age.
What if the 60% or odd is already being invested in an investment; like a house purchased; which constitutes of the 60% saving. Saving could be of severals types.
