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Old 10-01-2020, 04:15 PM   #41
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The Trinity Study/4% still fails like 5% of the time over 30 year horizons
True for 100/0 or 50/50, but for 75/25 only 2% failures.
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secondary market annuities
Old 10-02-2020, 04:50 PM   #42
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secondary market annuities

has anyone explored this as a safe way to have some money grow for the future?
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Old 10-02-2020, 10:50 PM   #43
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has anyone explored this as a safe way to have some money grow for the future?
I am thinking maybe you should start your own thread to discuss this? I could be wrong, but I don't see how this is related to this thread.
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Old 10-03-2020, 02:37 AM   #44
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The exact process for the "4% rule" or in your case the 2% rule, was a little hard for me to understand too until I found the website I've linked to below. I believe the site's author was a member here a long time back. In any event, his very plain HTML tables do exactly what you want; they show the sequence of withdrawals over time adjusted for inflation. He plots them for a number of different portfolios and updates them once a year.

He stopped working at the end of 1994, so his main tables show how a 1995 retiree has fared. The short version is, they were all lucky duckys. Pretty much any investment strategy worked, including a portfolio of 100% fixed income. An ultra conservative investor in 1995 still has 81% of their original portfolio remaining after 25 years of annual withdrawals indexed for inflation.

But for the folks who started their retirement in 2000, just 5 years later, the results are quite a bit different. There are no sure losers yet, but these retirees are not nearly has comfortable as the class of 1995.

https://retireearlyhomepage.com/reallife20.html
Appreciate the link. Yeah I'm getting more comfortable with allowing the investments to do the work. Assuming no huge crash in our economy anyway.
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Old 10-03-2020, 02:43 AM   #45
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has anyone explored this as a safe way to have some money grow for the future?
No. Safe perhaps but not much growth.
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Old 10-03-2020, 02:47 AM   #46
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Well I spent a few hours at the local Fidelity location in Northern Kentucky. They gave me a pretty decent report to take with me. It covers my investments, my SS payments, my expected cost to live, including everything I dumped out of my Chase bank account that wasn't just fun or wasted money.

The ran the investments as normal return average and then as way below average returns. In both cases I had money at age 89. One I have about 10% of what I stared with after 29 years. The other I was actually 1.8 time more than what I started with after 29 years. That means someone I like will have some money when I die. Of course in the event that it grows that way, I'll no doubt spend more.

I now need to get serious and start pricing health insurance so I know what to budget. And what It covers.

The Fidelity visit really help place some reality and trusted answers regarding what will most likely happen over time.
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Old 10-03-2020, 08:04 AM   #47
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Well I spent a few hours at the local Fidelity location in Northern Kentucky. They gave me a pretty decent report to take with me. It covers my investments, my SS payments, my expected cost to live, including everything I dumped out of my Chase bank account that wasn't just fun or wasted money.

The ran the investments as normal return average and then as way below average returns. In both cases I had money at age 89. One I have about 10% of what I stared with after 29 years. The other I was actually 1.8 time more than what I started with after 29 years. That means someone I like will have some money when I die. Of course in the event that it grows that way, I'll no doubt spend more.

I now need to get serious and start pricing health insurance so I know what to budget. And what It covers.

The Fidelity visit really help place some reality and trusted answers regarding what will most likely happen over time.


Fidelity has a major hub in Covington, KY. The report you described sounds like the Fidelity Retirement Planner tool on their website. It works in conduction with asset analysis and income planner tools. Maybe your version is more detailed. I did mine online but when I call in for help the reps have access to it. Iím still waiting for the new location near me to accept visitors.
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Old 10-03-2020, 09:59 PM   #48
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That report was definitely the LIfetime Planner; the table view is very useful. I use it, Firecalc and Quicken Planner.



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Fidelity has a major hub in Covington, KY. The report you described sounds like the Fidelity Retirement Planner tool on their website. It works in conduction with asset analysis and income planner tools. Maybe your version is more detailed. I did mine online but when I call in for help the reps have access to it. Iím still waiting for the new location near me to accept visitors.
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