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2 Different Spending Models but Same Result...What Up?
Old 03-10-2010, 03:34 PM   #1
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2 Different Spending Models but Same Result...What Up?

I am toying with our friend FireCalc & thinking I must be doing something wrong.

I am comparing a 100,000 constant annual spending rate with a manual spending rate (100,000 for 2 years, 130,000 for next 6 years, then returning to 100,000). Both methods (no other entry changes) are indicating the exact same success rate (80.2%) & average remaining portfolio.

Any thoughts on what would prevent these from yielding different results?
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Old 03-12-2010, 03:12 PM   #2
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I figured out what I was doing wrong. I was using a retirement date in the future & thought that the manual spending entries coincided with the first retirement year. Actually, it looks like they start with the current year - not the first year of retirement.
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Old 03-12-2010, 03:14 PM   #3
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Glad you figured it out - and sorry for not responding to your initial question but I had no clue what the problem might have been.
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Old 03-12-2010, 03:41 PM   #4
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Or the answer could have been that the spending did not cause any more 'failures'... hence the same percent...
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Old 03-12-2010, 04:19 PM   #5
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Originally Posted by Texas Proud View Post
Or the answer could have been that the spending did not cause any more 'failures'... hence the same percent...
That much of a spending change would have to move the percentage at least a bit.
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Old 03-13-2010, 08:56 PM   #6
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Just an irrelevant question to the OP. Were you thinking of pinot noir or pinot blanc when choosing your screen name?
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Old 03-15-2010, 11:39 AM   #7
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Just an irrelevant question to the OP. Were you thinking of pinot noir or pinot blanc when choosing your screen name?
Noir...

I buy quite a bit from a store in Oregon & have it shipped in. Very tough to find good Pinot Noir for a decent price, but Oregon has some good values.
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Old 05-31-2010, 03:13 PM   #8
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Pinot wrote:
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Noir...

I buy quite a bit from a store in Oregon & have it shipped in. Very tough to find good Pinot Noir for a decent price, but Oregon has some good values.

I agree... what store?
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Old 06-03-2010, 09:23 AM   #9
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...also looking for information on finding good Pinot Noir for a decent price...will drink Alice White for $6.50/bottle on sale at local grocery; but, it is really more of a second bottle kind of wine.
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