letsquit
Confused about dryer sheets
Firecalc assumes withdrawals are made each year by the "rebalancing" method, meaning either stocks or bonds are sold each year to maintain the same asset allocation over time. Spitzer and Singh proved that a "bonds first" withdrawal strategy can produce better results than rebalancing (although a huge equity balance will result over time). The "bonds first" strategy is consistent with "buckets" strategy. Has anyone figured out how to test the "bonds first" strategy in Firecalc? The tool doesn't seem to let us modify the withdrawal strategy. Thanks!