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Forum: FIRE and Money 03-04-2006, 04:50 PM
Replies: 34
Views: 5,393
Posted By JWR1945
Re: Set it and forget it retirement

For Mugs:

I recommend against paying anywhere near 1.0% to 1.5% in management fees. You need a custodian to handle retirement accounts. Pay Vanguard or some other low cost provider to handle the...
Forum: FIRE and Money 01-22-2006, 12:04 PM
Replies: 9
Views: 2,778
Posted By JWR1945
Re: 25 times guidline

Yes, 25 times the money needed will last 33 years. With care, you should be able to make it last indefinitely. You can expect to have added to principal at year 33.

Here is how:

TIPS at 2.0%...
Forum: FIRE and Money 10-25-2005, 03:12 PM
Replies: 49
Views: 7,602
Posted By JWR1945
Re: Net Worth $1.6m @ 51 I don't feel rich - explain that!

So what will I do? I will tell you something more about the financial side of Retiring Early.

It may help your thinking if you determine what your $1.6 million means as an income stream.

I have...
Forum: Other topics 09-05-2005, 07:25 PM
Replies: 165
Views: 14,211
Posted By JWR1945
Forum: FIRE and Money 09-04-2005, 03:52 PM
Replies: 10
Views: 2,207
Posted By JWR1945
Re: Retirement rate.

I had used a withdrawal amount of $75000, not $78000, with an initial balance of $1000000.

I looked at 50% stocks and at 75% stocks.

I put the inflation adjustment button on NONE instead of the...
Forum: FIRE and Money 09-03-2005, 08:22 AM
Replies: 10
Views: 2,207
Posted By JWR1945
Re: Retirement rate.

A smooth talker could easily suggest withdrawing 7.8%. He would talk in terms of post World War 2 stock market data and nominal dollars (i.e., not adjusted to keep up with inflation).

A 30-year...
Forum: FIRE and Money 08-31-2005, 09:57 AM
Replies: 12
Views: 1,994
Posted By JWR1945
Re: Market Timing & Mutual Funds

I have looked into this matter on my own. Visit my Notes section and scroll down to If You Donít Want to Wait. I have written several articles, beginning with You Canít Count on 7%.

Notes Section...
Forum: Other topics 08-30-2005, 12:11 PM
Replies: 310
Views: 21,972
Posted By JWR1945
Re: My God, Your God, or No God...Oh, God...

I am seeing a lot of arrogance and ignorance. People should not be surprised to learn that the gods that they create out of their own imaginations do not exist.

Actually looking into the facts,...
Forum: FIRE and Money 08-30-2005, 12:01 PM
Replies: 12
Views: 1,994
Posted By JWR1945
Re: Market Timing & Mutual Funds

John Hussman has written an outstanding article.



It is the price to dividends ratio, not price to earnings, that stands at 54. This corresponds to a dividend yield just under 2%.

From the...
Forum: Other topics 08-18-2005, 12:12 PM
Replies: 310
Views: 21,972
Posted By JWR1945
Re: My God, Your God, or No God...Oh, God...

The written word and its demonstrated accuracy.

Consider, for example, Psalm 22. It was written about 800 to 900 years before the Romans invented crucifixion. Yet, it detailed and explained what...
Forum: FIRE and Money 08-12-2005, 10:30 AM
Replies: 56
Views: 6,569
Posted By JWR1945
Re: Retirement Income?

Art has provided some good advice.

I would go about things a little bit differently. I do not know whether I would end up differently.

I recommend that you first establish a baseline. Actually,...
Forum: Other topics 08-11-2005, 04:37 PM
Replies: 310
Views: 21,972
Posted By JWR1945
Re: My God, Your God, or No God...Oh, God...

Thank you, Michael.

Many people are horribly ignorant of the word of God. Several have demonstrated their ignorance on this thread.

Many people like to make up their own make-believe gods,...
Forum: Forum Admin 07-21-2005, 01:33 PM
Replies: 3
Views: 1,037
Posted By JWR1945
Re: Where/How to post bigger attachment?

I use a Yahoo briefcase.

You will have to pay if you want to make your spreadsheet available to the general public.

You will NOT have to pay to make it available to people who provide you with...
Forum: Other topics 07-13-2005, 02:57 PM
Replies: 14
Views: 3,401
Posted By JWR1945
Re: Help Re Options for Retirement Monthly Payouts

I recommend against the Unmodified pension option unless there is a compelling reason. This is an unpleasant thought, but what if ...just about anything really bad happens: a forgetful spouse who...
Forum: FIRE and Money 06-10-2005, 11:55 AM
Replies: 20
Views: 3,033
Posted By JWR1945
Re: Pulled the plug

Welcome, neighbor.

Have fun.

John Russell
Forum: Hi, I am... 06-01-2005, 11:10 AM
Replies: 19
Views: 4,031
Posted By JWR1945
Re: Looking to Retire

WARNING: Humor.



But you have to take inflation into account! [This is the part with Humor.]

After all, the CSRS retirement annuity includes adjustments for inflation. [Increases only, no...
Forum: FIRE and Money 05-25-2005, 01:45 PM
Replies: 147
Views: 13,664
Posted By JWR1945
Re: Go with TIPs or am I crazy?

For Mister Bill:

I don't understand why so many people want to talk you out of your original idea. It is not as if you were locking yourself into a single decision. In fact, most people in a...
Forum: FIRE and Money 05-23-2005, 03:46 PM
Replies: 147
Views: 13,664
Posted By JWR1945
Re: Go with TIPs or am I crazy?

My references are numerous.

John Mauldin makes similar predictions in Bulls Eye Investing. He presents at least half a dozen methodologies that all lead to the same conclusion.

Ed Easterling...
Forum: FIRE and Money 05-23-2005, 03:30 PM
Replies: 147
Views: 13,664
Posted By JWR1945
Re: Go with TIPs or am I crazy?

For Mister Bill: A correction.

After withdrawing 3.0% of your initial balance for 10 years, you would have 86.5% of your principal (plus inflation) with 1.75% TIPS, not 75% to 80%.

The formulas...
Forum: FIRE and Money 05-23-2005, 02:32 PM
Replies: 147
Views: 13,664
Posted By JWR1945
Re: Go with TIPs or am I crazy?

Mister Bill, a 100% TIPS portfolio is an outstanding idea in your case. If you can maintain TIPS ladders at 1.75% (or do the equivalent by selling some TIPS along the way), you can withdraw 3.0% of...
Forum: FIRE and Money 05-23-2005, 02:12 PM
Replies: 29
Views: 3,539
Posted By JWR1945
Re: Looking for comments on my plans for FIRE

Have you considered moving?

Half a million dollars will get you a mansion in many parts of this country. Your annual income would allow you to live in luxury.

Have fun.

John R.
Forum: Life after FIRE 05-03-2005, 02:05 PM
Replies: 9
Views: 2,498
Posted By JWR1945
Re: Top relocation cities

I noticed that Crestview, Florida is on the list. So is Fort Walton Beach.

This area is where the military comes to retire (USAF mainly, with the Navy in the area).

OTOH, individual tastes vary...
Forum: FIRE and Money 03-18-2005, 02:21 PM
Replies: 242
Views: 27,720
Posted By JWR1945
Re: SWR of 6.21% for 26 years

amt is saying that 6.22% (plus inflation) is totally safe for any portfolio with 26 years to go, not just the current one. [IIRC, amt was talking about 29 years fo go. Don't worry about that.]
...
Forum: Other topics 02-28-2005, 11:46 AM
Replies: 5
Views: 1,841
Posted By JWR1945
Re: TIPS as primary retirement asset???

Here are a couple of posts that I put up in January. They include links to the formulas.

From my first post on the Safe Withdrawal Rate board thread about Vanguard Now Offering Inflation-Adjusted...
Forum: Other topics 02-28-2005, 09:28 AM
Replies: 4
Views: 1,449
Posted By JWR1945
Re: Getting BACK into a fed. govt. job?

Here is the official information source.
https://www.opm.gov

For retirement information:
https://www.opm.gov/retire/

Here is a good unofficial source for general information:...
Showing results 1 to 25 of 277

 
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