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Old 01-16-2013, 11:26 AM   #61
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You can bump it up as part of your budget, but can you actually spend it? It is nice to know if our portfolios are declining slowly we can bump up our percentage withdrawals.
Sure! I already gift quite a bit of my annual withdrawal.

Gift it now, or gift it later.......
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Old 01-16-2013, 09:39 PM   #62
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Same holds true for FIRECalc. This chart of FIRECalc results shows with an equity allocation of 40% or more the success of a portfolio is essentially flat, dropping a bit if above 80%:

I realize that there are dozens of ways to skin this cat...but just for being the devil's advocate, does that graph look different if you change it to a 3.3% WR (for a timespan of 50 years)?

I'm hoping to call it quits at around 45, and wouldn't initially do more than about 3.3% WR or so in the initial few years...which will hopefully be fully funded by just dividends from the equity portion of my portfolio. If that's the case, then I probably won't need to pare down the equity weighting to much lower than about 75% or so - depending on where rates are at at any given point in time and what the alternative equity dividend yields are offering.
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Old 01-16-2013, 09:58 PM   #63
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I realize that there are dozens of ways to skin this cat...but just for being the devil's advocate, does that graph look different if you change it to a 3.3% WR (for a timespan of 50 years)?
You can get whatever outputs you need to build your graph by plugging your numbers into FIRECalc, then changing the equity percentages to match those on the posted graph.
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