Running_Man
Thinks s/he gets paid by the post
- Joined
- Sep 25, 2006
- Messages
- 2,844
I use 3% over inflation rate.
I use 3% over inflation rate.
I would use this Treasury Inflation-Protected Securities (TIPS) - Markets Data Center - WSJ.com
to determine the expected real yields to maturity on bonds that I already own.
(I'd add something for credit quality premiums if I don't own treasuries.)
It seems to me that these yields are mostly locked in.
I just don't get why we want to spend valuable play time trying to guess the unknowable. Just look at predictions from 5 or 10 years ago and see how far off they were. No point to it.
Here is how your portfolio would have fared in each of the 135 cycles. The lowest and highest portfolio balance at the end of your retirement was $694,772 to $3,789,153, with an average at the end of $1,839,777.
The lowest portfolio balance at the end of <10 years> was $694,772