Ed_The_Gypsy
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Let's see. If I understand it correctly,
1) If you don't save enough, you are in trouble.
2) High fees are murder in the long run.
3) A blind 4% MWR may be too high (based on 60/40 AA) in some cases. 2.65% was mentioned in the article. (According to the graphs shown, I do not see that outlier.)
4) If you could predict the future you could do a better job of planning.
So, maybe 3.5% MWR and 100/0 are better.
By the way, I saw several of the graphs in John Greany's web site a long time ago.
1) If you don't save enough, you are in trouble.
2) High fees are murder in the long run.
3) A blind 4% MWR may be too high (based on 60/40 AA) in some cases. 2.65% was mentioned in the article. (According to the graphs shown, I do not see that outlier.)
4) If you could predict the future you could do a better job of planning.
So, maybe 3.5% MWR and 100/0 are better.
By the way, I saw several of the graphs in John Greany's web site a long time ago.