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Old 08-29-2017, 03:02 PM   #81
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Old 08-29-2017, 03:32 PM   #82
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Originally Posted by kcowan View Post
Yes but total return has been over well over 10% for many.

Several even in USD:
Total growth comparisons
Absolutely. Most are around 14-16% GAGR total return last 5 years. That's why I have decided to start liquidating small amounts of stock in addition to the divs.
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Old 08-29-2017, 04:22 PM   #83
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Originally Posted by Luck_Club View Post
Best definition of perpetual yet.
Only problem is that you end up working longer than necessary that if you rely on total return.... probably a lot longer.
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.

Retired Jan 2012 at age 56
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Old 08-29-2017, 04:41 PM   #84
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Originally Posted by alaska55 View Post
That's what Vanguard does with their Managed Payout Fund, they try and do a 4% pay but adjust every year with the last 3 years.

Wow. They KNOW what the last three years are? They're good! Seriously how does that work. Is it a target date fund?
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
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Old 08-30-2017, 02:38 AM   #85
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Originally Posted by jazz4cash View Post
Wow. They KNOW what the last three years are? They're good! Seriously how does that work. Is it a target date fund?
No it's a managed payout fund VPGDX

The strategy of the Vanguard Managed Payout Fund sits between these two — with a level of spending that does vary based on portfolio performance, but that is “smoothed” by basing the withdrawal on the average share price over multiple years. (Specifically, the fund sets a monthly distribution in January of each year, based on 4% of the fund’s average share price over the last three years.)
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