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Old 09-15-2005, 08:06 AM   #1
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I Have been reading through your posts and have noticed numerous refenences to excel spreadsheets, and was wondering if someone could give me a template or something so I can see how you have yours set up.

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Re: spreadsheet
Old 09-15-2005, 10:53 AM   #2
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Re: spreadsheet

I think you need to be a bit more specific as to what you are looking for. You can do a zillion things with spreadsheets - track net worth, track spending, project savings, amortize loans, yadda yadda yadda. To ask for a general template is too general; you really need to learn in general how to use excel, then you'll find yourself using it for all kinds of things.

- John
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Re: spreadsheet
Old 09-15-2005, 12:30 PM   #3
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Re: spreadsheet

You can download a number of Excel spreadsheets here:
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Re: spreadsheet
Old 09-18-2005, 01:52 PM   #4
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Re: spreadsheet

Ok, I have a spreadsheet with a macro thats runs thru the years (like FIRECALC) and outputs lots more data. It also allows options like fixed %, variable% and % of salary draws (and combinations). My issue with the 4% fixed rule is is is too fixed (pun intended). I'm not trying to cut down the years of reasearch using that, but always thought it lacked realistic feedback.

My yardstick is a retirement that starts just before Depression and one that starts after '74. Start with the same amount and one gets crushed and one goes to infinity and beyond. This of course is why you aim for a 95% confidence, but wanted to play around with other withdrawl schemes. BTW my examples below intentionally over draw to provide the comparision.

My other issue is at 4%, my ending NW many times is very large and I am looking for a way spend more now and not have a bank full of money when I die.

If anybody wants to test it out and provide feedback, just let me know.

Here is some snippets of the above scenerio:
Start yr A2R lDFixed lDPerVar DPerSal lBPer NW @ R (av) NW @ T (av) Draw @ R Fail Warnings

1923 47 6.60% 0.00% 0.00% 20.00% 2,154,119 (50,135,433) 142,172 1 31
1975 47 6.60% 0.00% 0.00% 20.00% 2,131,675 46,828,439 140,691 - -

with 3.3% as variable
1923 47 3.30% 3.30% 0.00% 20.00% 2,154,119 (4,761,080) 142,172 1 31
1975 47 3.30% 3.30% 0.00% 20.00% 2,131,675 17,228,711 140,691 - -

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Re: spreadsheet
Old 09-18-2005, 04:01 PM   #5
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Re: spreadsheet


One way to avoid a large NW at the end with a 4% withdrawal is to start with a 4% withdrawal and every year increase last year's amount by inflation and calculate 4% of the new year's portfolio and take whichever amt is larger. In REHP terminology this is called the payout period reset model. It's what I'm leaning toward doing.

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