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I would think it would be more valuable to consider all three vs looking at bond yields independently anyway.
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57 Target AA: 60% equity funds / 35% bond funds / 5% cash Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
Thanks Midpack. I agree, that it makes more sense to include all 3 elements.
I did not understand all the statistical talk, but it was a useful paper to read. It is not very encouraging, but I take solace from the fact that the fit is at most 75% over the historical data, and two of the 3 parameters are out of bounds from historical values.
Flexibility is the key, I guess, but you can be late to that game too!
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