Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 01-15-2013, 07:07 AM   #21
Moderator
ziggy29's Avatar
 
Join Date: Oct 2005
Location: Texas
Posts: 15,612
These Excel files feel too much like ... work. TPS Reports, anyone?
__________________

__________________
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)

RIP to Reemy, my avatar dog (2003 - 9/16/2017)
ziggy29 is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 01-15-2013, 09:19 AM   #22
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
REWahoo's Avatar
 
Join Date: Jun 2002
Location: Texas Hill Country
Posts: 42,078
Mid, I think CyclingInvestor was trying to share a laugh about all the fancy graphs, not disparage you or your investing philosophy.
__________________

__________________
Numbers is hard

When I hit 70, it hit back

Retired in 2005 at age 58, no pension
REWahoo is offline   Reply With Quote
Old 01-15-2013, 11:29 PM   #23
Thinks s/he gets paid by the post
 
Join Date: Jul 2005
Location: Los Angeles area
Posts: 1,432
Quote:
Originally Posted by REWahoo View Post
Mid, I think CyclingInvestor was trying to share a laugh about all the fancy graphs, not disparage you or your investing philosophy.
Yes, strictly comedy.
__________________
learn, work, save, invest, fire
CyclingInvestor is offline   Reply With Quote
Old 01-16-2013, 05:02 AM   #24
Thinks s/he gets paid by the post
obgyn65's Avatar
 
Join Date: Sep 2010
Location: midwestern city
Posts: 4,061
I wish I had the time to create nice graphs like those above. Well done everyone.
__________________
Very conservative with investments. Not ER'd yet, 48 years old. Please do not take anything I write or imply as legal, financial or medical advice directed to you. Contact your own financial advisor, healthcare provider, or attorney for financial, medical and legal advice.
obgyn65 is offline   Reply With Quote
Old 01-16-2013, 07:03 AM   #25
Thinks s/he gets paid by the post
steelyman's Avatar
 
Join Date: Feb 2011
Location: Triangle
Posts: 3,218
Quote:
Originally Posted by obgyn65 View Post
I wish I had the time to create nice graphs like those above. Well done everyone.
You could take the time you spend on the WalMart greeter messages here and instead work on graphs.
__________________

steelyman is offline   Reply With Quote
Old 01-16-2013, 07:45 AM   #26
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: Chicagoland
Posts: 11,968
Quote:
Originally Posted by obgyn65 View Post
I wish I had the time to create nice graphs like those above. Well done everyone.
It doesn't take much time at all once the spreadsheets are set up. And it's hard to think of many things more important than monitoring your nest egg. YMMV
__________________
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)
Midpack is offline   Reply With Quote
Old 01-16-2013, 07:47 AM   #27
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: Chicagoland
Posts: 11,968
Quote:
Originally Posted by obgyn65 View Post
I wish I had the time to create nice graphs like those above. Well done everyone.
It doesn't take much time at all once the spreadsheets are set up, helps that I enjoy investing and PC time. And it's hard to think of many things more important than monitoring your nest egg. Time or priorities? YMMV
__________________
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)
Midpack is offline   Reply With Quote
Old 01-16-2013, 06:39 PM   #28
Thinks s/he gets paid by the post
obgyn65's Avatar
 
Join Date: Sep 2010
Location: midwestern city
Posts: 4,061
I always enjoy a new challenge. I created my own graph today, showing withdrawals over a 48 year period.

image001[1] - Copy (2).png

Quote:
Originally Posted by steelyman View Post
You could take the time you spend on the WalMart greeter messages here and instead work on graphs.
__________________
Very conservative with investments. Not ER'd yet, 48 years old. Please do not take anything I write or imply as legal, financial or medical advice directed to you. Contact your own financial advisor, healthcare provider, or attorney for financial, medical and legal advice.
obgyn65 is offline   Reply With Quote
Old 01-16-2013, 07:14 PM   #29
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Lsbcal's Avatar
 
Join Date: May 2006
Location: west coast, hi there!
Posts: 5,676
Good start on that graphing Obgyn65.
__________________
Lsbcal is offline   Reply With Quote
Old 01-16-2013, 08:50 PM   #30
Thinks s/he gets paid by the post
target2019's Avatar
 
Join Date: Dec 2008
Posts: 3,705
Quote:
Originally Posted by obgyn65 View Post
I always enjoy a new challenge. I created my own graph today, showing withdrawals over a 48 year period.

Attachment 15879
Nice glide path! Please tell us about the data series.
__________________
target2019 is offline   Reply With Quote
Old 01-17-2013, 05:08 AM   #31
Thinks s/he gets paid by the post
obgyn65's Avatar
 
Join Date: Sep 2010
Location: midwestern city
Posts: 4,061
X axis = year from 1 to 48
Y axis = remaining size of nest egg after withdrawal

I have another graph showing the same nest egg and same time period but using SPIAs at a later stage in life. Looks very different.


Quote:
Originally Posted by target2019
Nice glide path! Please tell us about the data series.
__________________
Very conservative with investments. Not ER'd yet, 48 years old. Please do not take anything I write or imply as legal, financial or medical advice directed to you. Contact your own financial advisor, healthcare provider, or attorney for financial, medical and legal advice.
obgyn65 is offline   Reply With Quote
Old 01-17-2013, 05:12 AM   #32
Thinks s/he gets paid by the post
obgyn65's Avatar
 
Join Date: Sep 2010
Location: midwestern city
Posts: 4,061
Well I am not FIREd yet but sometimes I check this website between patients or at the office where I support R&D efforts... Always happy to contribute to this forum when time permits, although my posts tend to be brief for obvious reasons.

Quote:
Originally Posted by Midpack
It doesn't take much time at all once the spreadsheets are set up. And it's hard to think of many things more important than monitoring your nest egg. YMMV
__________________
Very conservative with investments. Not ER'd yet, 48 years old. Please do not take anything I write or imply as legal, financial or medical advice directed to you. Contact your own financial advisor, healthcare provider, or attorney for financial, medical and legal advice.
obgyn65 is offline   Reply With Quote
Old 01-17-2013, 08:37 AM   #33
Recycles dryer sheets
 
Join Date: Feb 2010
Posts: 123
Midpack, So after all this "learning" I assume you now have it exactly right.
Mine is similar to yours at the moment. ( We are also the same age)

However, I sometimes wonder about including some "alternative" investments such as real estate, commodities or even a going business. My fear is that government policies all seem directed at easing pressure on debtors- thereby giving investors a haircut. Witness current interest rates and tax increases on dividends.

BTW- Since I retired I dont do charts.
Spreadsheets yes. However, I dont need to "present" them to myself. LOL
__________________
Ken11 is offline   Reply With Quote
Old 01-17-2013, 08:44 AM   #34
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: Chicagoland
Posts: 11,968
Ken,

Midpack, So after all this "learning" I assume you now have it exactly right. Of course not, not sure why you'd say that. I've acknowledged the role of luck in my path to FI.
Mine is similar to yours at the moment. ( We are also the same age)

However, I sometimes wonder about including some "alternative" investments such as real estate, commodities or even a going business. There are others here with a lot more expertise with alternative investments. I hold a REIT and sector fund of "a commodity" - but that's the extent of my knowledge/exposure. I could probably do better.

My fear is that government policies all seem directed at easing pressure on debtors- thereby giving investors a haircut. Witness current interest rates and tax increases on dividends.

BTW- Since I retired I dont do charts.
Spreadsheets yes. However, I dont need to "present" them to myself. LOL Charts have always "spoken to me" and if you're doing spreadsheets as we both are, charts a but a Wizard and 3-4 clicks away. I can't imagine trying to illustrate the point in the OP with narrative alone, but probably my own limitations...
__________________
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)
Midpack is offline   Reply With Quote
Old 01-17-2013, 09:15 AM   #35
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Lsbcal's Avatar
 
Join Date: May 2006
Location: west coast, hi there!
Posts: 5,676
Sometimes the effort in creating a chart forces me to display the information in a more useful form then if I just left it in row/column format. So occasionally I'll go back and revise the analysis to bring out the most useful form of the data to chart.
__________________
Lsbcal is offline   Reply With Quote
Old 01-18-2013, 10:05 AM   #36
Recycles dryer sheets
 
Join Date: Feb 2010
Posts: 123
Quote:
Originally Posted by Midpack View Post
Ken,

Midpack, So after all this "learning" I assume you now have it exactly right. Of course not, not sure why you'd say that. I've acknowledged the role of luck in my path to FI.
Mine is similar to yours at the moment. ( We are also the same age)

.
MP
Sorry if my attempt at a clever comment was unclear.
There was no "poke" intended.
I was just thinking that there is never really any perfectly "right" portfolio because things are always evolving.
Over time God, governments, financial engineering (e.g. ETF's, MLP's) and all manner of stupidity and unexpected chaos make this so.
Its a journey.
Cheers
__________________
Ken11 is offline   Reply With Quote
Old 01-19-2013, 08:32 PM   #37
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
NW-Bound's Avatar
 
Join Date: Jul 2008
Posts: 19,400
Yes, I like charts too, but am too lazy to make my own. So, I make do with whatever Quicken provides, with me providing just a few clicks. Following is a typical chart that I call up once every few weeks. The chart provides a comparison of the growth (or shrinkage) of my portfolio relative to the indices.

See my portfolio over the last 3 months. I am running neck to neck with the S&P 500, despite having an equity exposure of 70% (meaning less than 100%), and then nearly 1/2 of that are foreign equities. Note also how my portfolio has less volatility than S&P 500. This happy condition was not always true, particularly in the last 2 years.

One can see how the small-caps are doing so well in the Russel 2000. Talking heads always say that is a very bullish indicator. Well, let's hope it lasts.

__________________
NW-Bound is offline   Reply With Quote
Old 01-19-2013, 08:59 PM   #38
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Lsbcal's Avatar
 
Join Date: May 2006
Location: west coast, hi there!
Posts: 5,676
Quote:
Originally Posted by NW-Bound View Post
...(snip)...

One can see how the small-caps are doing so well in the Russel 2000. Talking heads always say that is a very bullish indicator.
Very nice chart.

And yes, I think I do see a talking head in that chart!
__________________
Lsbcal is offline   Reply With Quote
Old 01-20-2013, 10:31 AM   #39
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
NW-Bound's Avatar
 
Join Date: Jul 2008
Posts: 19,400
Oh boy!

Now that you mentioned it, I look more closely at that Russel line, and can discern one shoulder and and 1/2 of the head. It's not very clear yet, though.

The problem is that once we see the head and the other shoulder well formed, our goose is already cooked. Maybe even burnt to a crisp.
__________________

__________________
NW-Bound is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


 

 
All times are GMT -6. The time now is 07:43 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.