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Forum: FIRE and Money Yesterday, 01:23 PM
Replies: 17
Views: 1,322
Posted By nun
I have my retirement in two buckets; pre 59.5 and...

I have my retirement in two buckets; pre 59.5 and post 59.5. I'll keep my overall AA at 50/50 and rebalance when there's a 10% spread between equities and bonds/fixed income/cash, but keeping my cash...
Forum: FIRE and Money 05-23-2013, 06:35 PM
Replies: 25
Views: 2,258
Posted By nun
Looks like I have my plan to generate the...

Looks like I have my plan to generate the inflation adjusted $21.6k for 7 years.

$20k cash

$60 in taxable Vanguard Total Stock Market

$150k 457 Stable Value fund currently paying 2.66%

As...
Forum: FIRE and Money 05-23-2013, 02:32 PM
Replies: 51
Views: 4,336
Posted By nun
Not semantics as "Prudent" is very different from...

Not semantics as "Prudent" is very different from "Safe". As long as the Trinity et al Safe WR is used for historical portfolios I'm ok with it, but when applying it to the future it seems a bit...
Forum: FIRE and Money 05-23-2013, 12:29 PM
Replies: 51
Views: 4,336
Posted By nun
I'm lucky to have a pension, but it will only be...

I'm lucky to have a pension, but it will only be $5k a year and there's no COLA. My ability to fund retirement post 66 from none portfolio sources will come from having the small pension, rental...
Forum: FIRE and Money 05-23-2013, 08:08 AM
Replies: 51
Views: 4,336
Posted By nun
Well for me it would be zero as I have pension,...

Well for me it would be zero as I have pension, SS and rent that will cover my expenses. Most people would spend cash, but the WR from the equities/bond portion would be zero. It might be a touch...
Forum: FIRE and Money 05-21-2013, 06:59 PM
Replies: 53
Views: 2,991
Posted By nun
Deferring SS until 70 is my longevity insurance...

Deferring SS until 70 is my longevity insurance and takes the place of a annuity in later life. I'd rather back end load my SS to the time when I won't be physically capable of working.
Forum: FIRE and Money 05-21-2013, 05:54 PM
Replies: 25
Views: 2,258
Posted By nun
Any further suggestions for AA and and withdrawal...

Any further suggestions for AA and and withdrawal strategies to generate a 0.03% inflation adjusted $21.6k income from $230k for 7 years?
Forum: FIRE and Money 05-21-2013, 05:50 PM
Replies: 17
Views: 1,322
Posted By nun
But they do show the scheme failing when the...

But they do show the scheme failing when the aggressive equities fail to meet the projected returns.
Forum: FIRE and Money 05-21-2013, 12:53 PM
Replies: 17
Views: 1,322
Posted By nun
Sure, so after 20 years you have a 5 year CD...

Sure, so after 20 years you have a 5 year CD ladder and everything else in aggressive equities.
Forum: FIRE and Money 05-21-2013, 10:38 AM
Replies: 17
Views: 1,322
Posted By nun
I'm going with 3 to 4 years of cash and stable...

I'm going with 3 to 4 years of cash and stable value/short term bond assets and the rest in a lazy portfolio that I'll rebalance and use to top up the cash and short term bond buckets.

The issue I...
Forum: FIRE and Money 05-20-2013, 04:15 PM
Replies: 32
Views: 1,654
Posted By nun
Even understanding Total Return I don't like the...

Even understanding Total Return I don't like the 4% as it is often proposed. I'm ok with Total Return if you do it in retrospect and keep your spending to be less than Total Return minus inflation,...
Forum: FIRE and Money 05-20-2013, 03:26 PM
Replies: 53
Views: 2,991
Posted By nun
One reason for deferring SS to 66 or even 70 is...

One reason for deferring SS to 66 or even 70 is so you can spend down your IRAs and reduce the amount of your RMD, but the main reason is the big step up in benefit check you get by waiting, it's an...
Forum: FIRE and Money 05-20-2013, 10:48 AM
Replies: 32
Views: 1,654
Posted By nun
The the bold statement makes me a bit crazy as it...

The the bold statement makes me a bit crazy as it assumes that your portfolio is going to behave in a similar way to those historical portfolios in the Monte Carlo simulations.....and since when was...
Forum: FIRE and Money 05-20-2013, 09:17 AM
Replies: 51
Views: 4,336
Posted By nun
My criticism isn't for people using Monte Carlo...

My criticism isn't for people using Monte Carlo methods to see how a portfolio would have done over the years, it's the reporting of those results without equal emphasis on the caveats of the...
Forum: FIRE and Money 05-20-2013, 09:06 AM
Replies: 32
Views: 1,654
Posted By nun
The bold above is mine You'd think it would...

The bold above is mine

You'd think it would be obvious, but there have been many discussions on how something that seems obvious to we ER nerds isn't so clear to the regular IRA owner. There was a...
Forum: FIRE and Money 05-20-2013, 07:41 AM
Replies: 32
Views: 1,654
Posted By nun
I'd consider a PWR (Prudent Withdrawal Rate) to...

I'd consider a PWR (Prudent Withdrawal Rate) to be something less than or equal to the actual return of your portfolio minus inflation. Of course you'll be in trouble in down years and will have to...
Forum: FIRE and Money 05-20-2013, 07:22 AM
Replies: 51
Views: 4,336
Posted By nun
I take issue with the "safe" part and the use of...

I take issue with the "safe" part and the use of historical data. The need for adjustments with actual portfolio performance is not well communicated in the SWR acronym and many people don't get past...
Forum: FIRE and Money 05-20-2013, 07:19 AM
Replies: 32
Views: 1,654
Posted By nun
It's good to be having this discussion here, but...

It's good to be having this discussion here, but the bigger issue is whether the general retiree with an IRA understands all the assumptions of SWR. IMHO no WR that relies on historical data is safe...
Forum: FIRE and Money 05-19-2013, 11:39 AM
Replies: 51
Views: 4,336
Posted By nun
Granted, I could have been more careful in...

Granted, I could have been more careful in describing the potential for falling dividends.
Forum: FIRE and Money 05-19-2013, 11:13 AM
Replies: 51
Views: 4,336
Posted By nun
That might well work, but your income is going to...

That might well work, but your income is going to be subject to the volatility of the market and if there's a big fall in equities you'll have to hope your CDs can provide your income until the...
Forum: FIRE and Money 05-18-2013, 08:57 PM
Replies: 85
Views: 2,862
Posted By nun
Yes I realize that, but I can defer with both US...

Yes I realize that, but I can defer with both US and UK SS so I hope at least one will pay off.
Forum: FIRE and Money 05-18-2013, 01:46 PM
Replies: 85
Views: 2,862
Posted By nun
I'm zeroing in on the following strategy: I...

I'm zeroing in on the following strategy:

I have an old TIAA-Traditional account that is giving me 4.5% interest in the accumulation phase and the annuity will be calculated using a 7.75% rate so...
Forum: FIRE and Money 05-18-2013, 12:52 PM
Replies: 85
Views: 2,862
Posted By nun
If the fees end up being in the range of 5% of...

If the fees end up being in the range of 5% of what you actually deposit and you get the 7% to 8% dogmatic return, the the net return of 2% from a stable value fund is very competitive. You don't get...
Forum: FIRE and Money 05-18-2013, 10:38 AM
Replies: 51
Views: 4,336
Posted By nun
2% or 1% WR would be difficult for most retirees,...

2% or 1% WR would be difficult for most retirees, but if you don't know how the equity or bond markets are going to perform in the future I think those are the numbers you have to shoot for to be...
Forum: FIRE and Money 05-18-2013, 08:56 AM
Replies: 85
Views: 2,862
Posted By nun
When you do the numbers on VAs they are terrible....

When you do the numbers on VAs they are terrible. At least with SPIAs is easy to figure out the effective interest rate you're getting and the fees at a bit less opaque.

Instead of buy a VA why...
Showing results 1 to 25 of 2625
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