Join Early Retirement Today
Reply
 
Thread Tools Display Modes
Variable Withdrawal Rate Studies
Old 02-24-2018, 11:13 AM   #1
Thinks s/he gets paid by the post
Gotadimple's Avatar
 
Join Date: Feb 2007
Posts: 2,605
Variable Withdrawal Rate Studies

I follow the Retirement Cafe by email. This week he continues a series on withdrawal methods by reviewing Variable Withdrawals and the studies that have been done on the strategy.

I haven't dug into the links in the article yet, but as always, he provides good research and something to think about.

The Retirement Café: Unraveling Retirement Strategies: Variable Spending from a Volatile Portfolio

- Rita
__________________
Only got A dimple, would have preferred 2!
Gotadimple 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 02-24-2018, 12:26 PM   #2
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jan 2018
Location: Tampa
Posts: 11,232
In my first full year of retirement, I chose a fixed amount. Going forward, I do believe that if one does wish to follow some formulaic withdrawal strategy (which I do), then a variable strategy could get closer to a real life spending concept.
Choosing which one will be my next research topic. I do like Bob Clyatt's 4/95 strategy so far, although perhaps use 3/95 in the early years.
__________________
TGIM
Dtail is offline   Reply With Quote
variable withdrawal studies
Old 02-24-2018, 12:26 PM   #3
Recycles dryer sheets
 
Join Date: Dec 2016
Posts: 411
variable withdrawal studies

go to the “Bogleheads” website and review the multitude of threads on either “Variable Portfolio Withdrawal” (VPW) or “Guyton-Klinger” methods, among others. It’s also in their “wiki” on the site.

There’s a host of authors that post, or use to post, there: Kitses, Pfau, Swedroe, etc (there’s a list there of suggested reading). LOTS of discussion there
FI_RElater is offline   Reply With Quote
Reply


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


Similar Threads
Thread Thread Starter Forum Replies Last Post
At what variable interest rate would you pay off a HELOC? Scuba FIRE and Money 31 06-17-2017 08:40 PM
Chart of Withdrawal Rate - Success Rate - Yrs Retired Midpack FIRE and Money 28 10-05-2013 11:02 AM
Variable Withdrawal Strategies chinaco FIRE and Money 2 03-11-2007 01:17 PM
Humberto Cruz on variable withdrawal rates Nords FIRE and Money 28 06-29-2005 11:43 AM
Assets to include in Safe Withdrawal studies RedOscar FIRE and Money 12 07-10-2002 01:29 AM

» Quick Links

 
All times are GMT -6. The time now is 07:36 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2024, vBulletin Solutions, Inc.