Search found 821 matches
- Sun Mar 24, 2024 4:46 pm
- Forum: General questions and comments
- Topic: Using FRP During Retirement
- Replies: 9
- Views: 83489
Re: Using FRP During Retirement
I usually run a handful of sort of "roughed in" scenarios, each with different withdrawal amounts and maybe some other assumptions. Then I look at the prob of success for each scenario. For withdrawal amounts, I tend to use round numbers, so instead of $206k, maybe 180k, 200k, 220k, etc. I...
- Wed Mar 20, 2024 2:34 pm
- Forum: General questions and comments
- Topic: Misc Income and Inflation
- Replies: 2
- Views: 28
Re: Misc Income and Inflation
All the amounts in that table are shown in present value dollars, so an amount staying the same from year to year is exactly keeping up with inflation. A decreasing amount is an amount that isn't keeping up with inflation and an increasing amount is growing at a rate greater than inflation.
- Tue Mar 19, 2024 8:07 pm
- Forum: General questions and comments
- Topic: Modeling House Sale
- Replies: 3
- Views: 46
Re: Modeling House Sale
Actually, scratch that last question. The way the net withdrawal is reported when income is greater than expenses is dependent on whether RMDs are happening. If RMDs are not happening, the net withdrawal shows as 0, if RMDs are happening, the net withdrawal shows as the net amount that gets added to...
- Tue Mar 19, 2024 7:59 pm
- Forum: General questions and comments
- Topic: Modeling House Sale
- Replies: 3
- Views: 46
Re: Modeling House Sale
Deleted. Please see below.
- Thu Mar 14, 2024 11:14 am
- Forum: General questions and comments
- Topic: Using goal seek but with a consistent withdrawal rate
- Replies: 3
- Views: 61
Re: Using goal seek but with a consistent withdrawal rate
One suggestion is to play around with the other settings to see anything gets you closer to what you're looking for. A few things you might try: 1) set a higher probability of success for goal seek (maybe 95%?) 2) Try adjusting the spending policy floor and ceiling values (maybe 90% floor, 100% ceil...
- Thu Mar 14, 2024 8:34 am
- Forum: General questions and comments
- Topic: Using goal seek but with a consistent withdrawal rate
- Replies: 3
- Views: 61
Re: Using goal seek but with a consistent withdrawal rate
I assume the reason the withdrawal rate gets to 15% is because you specified expenses that require that high of a withdrawal in those years. If that high of withdrawal rate is unrealistic, what would you like the simulation to do differently in those years and how should it decide what's reasonable?...
- Sat Mar 02, 2024 1:19 pm
- Forum: General questions and comments
- Topic: how to model QCDs?
- Replies: 1
- Views: 104
Re: how to model QCDs?
The planner doesn't handle qualified charitable distributions explicitly, but you could probably model the impact by setting up a negative savings cash flow from the tax deferred portfolio. You can use the memo field to document what the cash flow is for. The ability to do negative savings cash flow...
- Mon Feb 19, 2024 9:45 am
- Forum: General questions and comments
- Topic: Simple question regarding time periods
- Replies: 2
- Views: 172
Re: Simple question regarding time periods
If I specify a time period in the planner, let's say a 30 year plan length age 65 to age 95, what does this really mean? Doesn't that carry me right until my 96th birthday? Why would I think that? Because 65 would specify the year from the moment I turn 65 and then the entire year following, until ...
- Sun Feb 18, 2024 9:02 pm
- Forum: General questions and comments
- Topic: How many years historical data to use when calculating return avg and std dev
- Replies: 2
- Views: 179
Re: How many years historical data to use when calculating return avg and std dev
I think if you ask 5 people how to do this you'll likely get 5 answers. I like to use a tool developed by someone on the Bogleheads.org forum called Simba's backtesting spreadsheet. The spreadsheet has historical returns for lots index funds that track common asset classes. You can enter your portfo...
- Thu Feb 08, 2024 4:01 pm
- Forum: General questions and comments
- Topic: Social Security case
- Replies: 7
- Views: 65636
Re: Social Security case
Thanks for clarifying this. I was afraid I had missed a rules change or something.
There probably are some people still receiving earned income after their RMDs start, but I'd guess it's not a super likely situation.
There probably are some people still receiving earned income after their RMDs start, but I'd guess it's not a super likely situation.