Midpack
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I suspect someone has answered this question before, but I missed it.
There are a couple methodologies, the Vanguard Dynamic Retirement Spending Model is just one https://vanguardblog.com/2017/09/07...nt-spending-strategy-in-place/comment-page-8/. Basically 4% SWR with an annual upside and downside cap using remaining balance to provide automatic 'guard rails.'
I just wonder if there are calculators that show probability of success with any of the dynamic models? FIRECALC has % remaining portfolio spending model with a downside cap option, but it would be nice to model others? If push comes to shove I guess I can download return and inflation data and plow through it myself...
There are a couple methodologies, the Vanguard Dynamic Retirement Spending Model is just one https://vanguardblog.com/2017/09/07...nt-spending-strategy-in-place/comment-page-8/. Basically 4% SWR with an annual upside and downside cap using remaining balance to provide automatic 'guard rails.'
I just wonder if there are calculators that show probability of success with any of the dynamic models? FIRECALC has % remaining portfolio spending model with a downside cap option, but it would be nice to model others? If push comes to shove I guess I can download return and inflation data and plow through it myself...