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calculator for lazy portfolio returns
Old 06-09-2021, 01:46 PM   #1
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calculator for lazy portfolio returns

Hello, if my parents had invested their $511k into a lazy 2 or 3 fund portfolio into VTI, BND, and VXUS 12/2012 what would they have now? Is there a calculator they could use? They have been drawing $24k/year distributions.

They currently have around $1.060M from then with their distributions and having paid $56k in fees to their raymond james advisor.

I cannot move it and yes they are paying around $8k in fees but it is what it is.
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Old 06-09-2021, 02:26 PM   #2
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Don't know of a calculator but saw this online.
The 50/50 is the Couch Potato portfolio.
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Old 06-09-2021, 02:27 PM   #3
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What target AA? Are withdrawals fixed or inflation adjusted?


Below is assuming an 80/20 AA and fixed withdrawals.
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Slow and steady wins the race.

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Old 06-09-2021, 02:33 PM   #4
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If you know the allocation, you can plug those tickers, dates, and dollar amounts into the Portfolio Visualizer backtest calc.
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