Search found 9 matches

by Paul O
Sun May 30, 2021 7:01 pm
Forum: General questions and comments
Topic: Question regarding the calculation logic
Replies: 8
Views: 15617

Re: Question regarding the calculation logic

Jim, After watching your recent Chicago Bogleheads presentation (excellent video for an overview of your planner capabilities), I was curious on the number of failures that you addressed. I looked at a different situation than you presented where the portfolio clearly started out too low or the spen...
by Paul O
Mon May 10, 2021 9:37 pm
Forum: General questions and comments
Topic: Question regarding the calculation logic
Replies: 8
Views: 15617

Re: Question regarding the calculation logic

Thank you for the response. I believe I now understand how the code establishes the spending adjustment and incorrectly interpreted the documentation.
by Paul O
Sun May 09, 2021 2:46 pm
Forum: General questions and comments
Topic: Question regarding the calculation logic
Replies: 8
Views: 15617

Re: Question regarding the calculation logic

I have a quick question regarding the flexible and conservative spending policies. The documentation giving several conditions and the corresponding spending adjustment that I interpret are as follows: Balance year change: down Relative to retirement start: smaller Adjustment: reduce by COLA Balance...
by Paul O
Mon Nov 19, 2018 2:38 pm
Forum: General questions and comments
Topic: Inflation affect On SD
Replies: 3
Views: 9566

Re: Inflation affect On SD

Jim,

I was looking at the relative sensitivity of using a standard deviation for inflation and the impact of adding noise to the simulation. Does the planner account for negative inflation (deflation) when incorporating inflation variability or is the minimum inflation set to zero?
by Paul O
Thu Nov 08, 2018 7:50 pm
Forum: General questions and comments
Topic: Basic question about the Detailed View Table
Replies: 11
Views: 17323

Re: Basic question about the Detailed View Table

Once again Jim, thank you for the prompt response. I would assume that with 10k simulations that the true median total balance would be almost identical to the sum of the median components. I had initially assumed that since the components added up to the total, that they corresponded to the actual ...
by Paul O
Thu Nov 08, 2018 3:13 pm
Forum: General questions and comments
Topic: Basic question about the Detailed View Table
Replies: 11
Views: 17323

Re: Basic question about the Detailed View Table

Thank you Jim for the explanation regarding median RMD and median total withdrawal. I am evaluating the tax impacts of IRA to Roth conversions at various ages. Looking at the detailed view output, I was trying to figure out why in the detailed view table that the total balance is exactly equal to th...
by Paul O
Wed Oct 31, 2018 9:19 pm
Forum: General questions and comments
Topic: Basic question about the Detailed View Table
Replies: 11
Views: 17323

Re: Basic question about the Detailed View Table

Jim, A simple question about "Median RMD" in the detailed view table. Does the "Median RMD" represent the RMD associated with the "Median Portfolio Value" or does the "Median RMD" represent the median of the RMD used for the 10,000 simulations? I imagine that ...
by Paul O
Tue Oct 30, 2018 7:23 pm
Forum: General questions and comments
Topic: Basic question about the Detailed View Table
Replies: 11
Views: 17323

Re: Basic question about the Detailed View Table

Thank you for your prompt response and explanation Jim.

Again, thank you for sharing the simulation. I happened upon the questioned circumstance when I was manually checking output just to follow all the intricacies and logic in your simulation.

Paul
by Paul O
Tue Oct 30, 2018 6:22 pm
Forum: General questions and comments
Topic: Basic question about the Detailed View Table
Replies: 11
Views: 17323

Re: Basic question about the Detailed View Table

Jim, As stated in so many other posts, thank you for sharing such a rigorous program incorporating so may options. I have a question question regarding the withdrawal rate summarized in the Detailed View Table. If I set the plan so it starts before retirement, the withdrawal rate for the first year ...