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Old 12-11-2015, 11:07 AM   #41
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I sold funds to pay for buying my dream house in cash, fixing it up, moving into it, and selling my former home.
Exactly my situation.
This year's expenses brought me up to just about a 4% WR which is the highest ever. So no worries for now.
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Old 12-11-2015, 11:31 AM   #42
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Exactly my situation.
This year's expenses brought me up to just about a 4% WR which is the highest ever. So no worries for now.
Good job! That's is really excellent.

At first glance, I think my effective WR will be higher than that this year. I am dipping into my investment principal, which I never did before.

But even so my future WR's will still be less than my dividends, so I am not freaking out. I don't buy a dream house every year, and honestly I plan to stay here for good.
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Old 12-11-2015, 11:44 AM   #43
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If I didn't have the cost of the move this year, it would have been OK, but the cost of the move definitely raised the spending this year (My RE was in April) which I did budget for (I spent money gained by unspent vacation days, etc) so I shouldn't really fret. My NW is down slightly though. (I transferred a big chunk of money from USD to CAD and since Mint doesn't seem to be able to distinguish CAD from USD, my NW still shows up as good as the beginning of the year. I figure, as long as I am spending the cash, I am OK. I would hate to sell equities right now for sure. I feel for people who have to do that right now.
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Old 12-11-2015, 12:02 PM   #44
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Define "good"

Deleted-pocket typed it.
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Old 12-11-2015, 02:45 PM   #45
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Wow. At the 4 year point (mid 2009) I was down about 25%.
As I recall, that was your incentive to begin SS. In hindsight....a very prudent response.
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Old 12-11-2015, 03:56 PM   #46
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Up in 06 and 07, not in 08. By 2013 it did recover to my nominal starting balance.
REW, did you ever cease (or reduce amounts of) rebalancing between 06-13?
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Old 12-11-2015, 04:31 PM   #47
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As I recall, that was your incentive to begin SS. In hindsight....a very prudent response.
At the time it felt like a desperate reach for a life raft.

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REW, did you ever cease (or reduce amounts of) rebalancing between 06-13?
No, I made no changes in my rebalancing schedule.

The bulk of our portfolio is in balanced funds (Wellington and Wellesley) and those funds rebalanced both on the way down and on the way back up - at least I assume they did. Not sure I would have had the courage to do so if I had to make the rebalancing sell/buy moves myself, but since it wasn't my decision to make, I did great!
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Old 12-11-2015, 06:49 PM   #48
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At the time it felt like a desperate reach for a life raft.

But a good one!

No, I made no changes in my rebalancing schedule.

The bulk of our portfolio is in balanced funds (Wellington and Wellesley) and those funds rebalanced both on the way down and on the way back up - at least I assume they did. Not sure I would have had the courage to do so if I had to make the rebalancing sell/buy moves myself, but since it wasn't my decision to make, I did great!
Good strategy, actually. My taxable is in in a balanced fund and I hadn't considered the "automatic rebalancing" feature in a severe down market. Thanks!
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Old 12-12-2015, 01:31 PM   #49
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We ought to be able to do the next year between cash and earnings. So far, have not touched an investment for the whole 18 months. We are living on 70% of our planned budget.
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Old 12-13-2015, 03:35 PM   #50
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Oops, I lied! Forgot that a couple of t-bills matured and they went into cash. Or was it bonds?.....
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