2 Different Spending Models but Same Result...What Up?

[pinot]

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?

 

[pinot]

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.

 

[REWahoo]

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.

 

[Texas Proud]

Or the answer could have been that the spending did not cause any more 'failures'... hence the same percent...

 

[pinot]

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.

 

[NW-Bound]

Just an irrelevant question to the OP. Were you thinking of pinot noir or pinot blanc when choosing your screen name?

 

[pinot]

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.

 

[mkatz]

Pinot wrote:

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?

 

[CoolChange]

...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.