Added historical returns to my spreadsheet
I was bored waiting for the Spectrum tech to show up and fix my wifi so I added the ability to select any start date from 1928 to present for my real returns. Wasn't too hard to do once I found the right data. So I now have firecalc built into my spreadsheet. I like having it in my spreadsheet so I can make changes quickly and do better what if runs.
I thought 1928 was going to be the worst start date, but it wasn't. Turns out 1965 is the worst for a 60/40 portfolio. 1999 wasn't too good either. 2007 wasn't bad at all. And if you retired in 2008, you should have a lot more than what you started with. That was a good year to retire.
Firecalc says I am 100% and my model says my min balance is $209k if I started in 1965, so I am happy.
Don't do something, just stand there!