Search found 5 matches

by dlbnew
Sun Jul 29, 2018 4:13 am
Forum: Simulation mechanics, assumptions, and inputs
Topic: trying to understand impact of risk - not what I thought!
Replies: 5
Views: 573

Re: trying to understand impact of risk - not what I thought!

I've added in the median ending portfolio and bottom 10% values at age 95 to the runs I did below. With that in mind, one could argue that increasing portfolio risk has little impact on probability of success but can dramatically increase the median ending portfolio value if your retirement path end...
by dlbnew
Sat Jul 28, 2018 2:44 pm
Forum: Simulation mechanics, assumptions, and inputs
Topic: trying to understand impact of risk - not what I thought!
Replies: 5
Views: 573

Re: trying to understand impact of risk - not what I thought!

Thank you so much for this. This is a wonderful tool I have to say, especially for its educational value. Your response makes perfect sense. I think I understand the statistics of what is going on here. It's just hard to couple that with mainstream advise. I understand the riskier portfolio bell cur...
by dlbnew
Sat Jul 28, 2018 5:42 am
Forum: Simulation mechanics, assumptions, and inputs
Topic: trying to understand impact of risk - not what I thought!
Replies: 5
Views: 573

trying to understand impact of risk - not what I thought!

This question might be for a different forum such as bogleheads, but I'm trying to understand the impact of risk. I'm 47 looking to retire at 60. From everything I have read and been told, I should have an allocation of about 60/40 or 65/35 stocks/bonds at this point. However, when I run the simulat...
by dlbnew
Fri Jul 27, 2018 8:12 am
Forum: General questions and comments
Topic: current dollars for Annual Retirement Spending doesn't seem right
Replies: 2
Views: 363

current dollars for Annual Retirement Spending doesn't seem right

I'm 47 and running the simulation for retirement at age 60 with a need for $50,000 per year in retirement spending. That is in today's dollars. However, when I look at the detailed view, I see that my withdraw and other income (from a pension) only total $50,000 at retirement year 1. There isn't an ...