Recent content by Markedward

you got me curious on the tax rates so I fired up Turbotax. At 200K Income, total Fed tax is 41782, and at 210K it is 45163, or, close to35%., From 100k to 110k it was 26%. Anyway, my main point was that I find a 30% failure rate, as revealed via Monte Carlo to be unacceptable, in spite of the...

Not trying to brag, just illustrate my point, but at age 65, my 401K, plus SS, plus DB pension will put my income at around $250K. Granted, that is 17 years off, but, at that income level, your marginal tax rate is the full 35% at the Fed level. To the extent that you have income to get you...

wab - I disagree, at least in part. Taxes must be taken into account, which is a big part of the reason for taking chances on stocks ,the 15% tax rate is the best thing going ex-Munis., In the case of TIPS, there are 2 issues: 1) Taxes: Tips currently yield around 2.5% over inflation, which...

Good points Cut-Throat. Yes, it makes great sense to re-run the calcs, I would say re-run them every year. In my case for example, if the portfolio accrues "on plan" for 10 years, then I would be able to increase my 3%-proof withdrawals by almost 45% from the initial level. In fact, I would say...

I have discovered this web-site very recently and have been favorably impressed both with FireCalc and with some of the people who post here. As a quick intro - I am a 48 y/o Wall Street professional (23 years in the business) and I am seriously considering pulling the cord on the career, hence...