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Re: how about 14% SWR
Old 05-16-2006, 09:35 PM   #21
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Re: how about 14% SWR

RE: new firecalc

Most curious though. I'm doing pretty normal stuff. Lump sum at the start, an annual withdraw with the default inflation increase per year and the result is consistently 0.5% worse than the old one.

I reported the same thing as I exercised the new version. I can understand saomewhat different results between the two when you target SWR's of less than 100% (because the new version drops the incomplete periods), but it seems to me like the results from the two versions ought to be a bit closer when modeling 100% safe scenarios.
Well, I wasn't specifying 100%, but I'm relieved to hear someone else is seeing the same effect.

I think the issue may be that it's not so much there are incomplete periods that are ignored . . . it's that the periods ignored were the 80's and 90's that were so strong. In terms of a historical profile, this would seem to mildly data mine negative years years/decades from history. But I'm only speculating as to the cause and the guy doing the work has thought about this stuff carefully. It would just be nice to have a mode available to precisely reproduce the old result, so that when results differ one knows exactly why.

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Re: how about 14% SWR
Old 05-17-2006, 10:09 AM   #22
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Re: how about 14% SWR

Originally Posted by cj
14% - maybe if you're 90.
If inflation and medical expenses continue to spiral, my forcasted swr on my reduced budget will be at;

85 8%
90 10%
95 17%
99 72%

At 100, i'll have to settle for cheap dog food and a comfortable cardboard box, if I can find some.

I am looking forward to a comfortable retirement in my older years.

I look to the present moment because that's where I live my life.
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Re: how about 14% SWR
Old 05-17-2006, 02:17 PM   #23
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Re: how about 14% SWR

I know several people who retired on too little, and yet they all manage. They mostly got part-time jobs and seem content:

--Former mechanical engineer, now a barista at Starbucks after being a stock-boy at a Piggly Wiggly supermarket. His wife does some sort of office work.
--Former small businessman started a lawn-mowing service.
--Former insurance VP went into customer service at an Edward-Jones brokerage (just retired for the second time as he's 18 months from Medicare and can now COBRA his health insurance) after being an elected town official, and his wife temped
--Former paralegal now does clerical work for a big church
--Former programmer does occasional computer contracts (upgrading a copmpany's software and such)

The people who tend to sink when they retire on too little are those who can't work due to less than good health or perhaps not atttractive/thin/outgoing/smiley enough to be hired to do a public-interfacing job--and have no spouse/inheritance to pick up the slack.

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Re: how about 14% SWR
Old 05-17-2006, 02:58 PM   #24
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Re: how about 14% SWR

Originally Posted by astromeria
I know several people who retired on too little, and yet they all manage. They mostly got part-time jobs and seem content:
I'm just glad that I'm not depending on my professional longboarder's skills.


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