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lowest portfolio = starting portfolio
Old 10-02-2018, 06:38 PM   #1
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lowest portfolio = starting portfolio

I noticed that many times that I use fireCalc, the results page often says my "lowest portfolio" is equal to my starting portfolio. For example:

Start Here
Spending: 60000
Portfolio: 2000000
Years: 60
Here is how your portfolio would have fared in each of the 88 cycles. The lowest and highest portfolio balance at the end of your retirement was $2,000,000 to $58,126,914

Let's say I set my starting portfolio to $5M, same thing:

Start Here
Spending: 60000
Portfolio: 5000000
Years: 60
Here is how your portfolio would have fared in each of the 88 cycles. The lowest and highest portfolio balance at the end of your retirement was $5,000,000 to $195,807,088

At first, I thought this happening because the expected interest/dividends from the starting portfolio would more than cover my expenses (meaning I never touch the principal). But in the $5M case, I would think that my lowest portfolio continue to accumulate.
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Old 10-02-2018, 07:10 PM   #2
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Not the expert, but believe that this has been mentioned in the past as a bug of sorts in that the lowest portfolio balance results will never be higher than the portfolio balance input.
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