Search found 525 matches
- Thu Mar 24, 2005 12:11 pm
- Forum: SWR Research Group
- Topic: TIPS drawdown at staggered coupon rates
- Replies: 28
- Views: 73311
- Thu Mar 24, 2005 11:39 am
- Forum: SWR Research Group
- Topic: TIPS drawdown at staggered coupon rates
- Replies: 28
- Views: 73311
If one draws down principal over 30 years, that is 3.33% each year of principal Is there a risk of living 31 years? Hi ataloss, I plan for a 20-year accumulation and so I would likely retire around 60. I have asked John for the 40-year numbers because this covers beyond actuary numbers at age 60+. ...
- Thu Mar 24, 2005 4:00 am
- Forum: SWR Research Group
- Topic: John R. - Need to get in contact with u but PMs turned off.
- Replies: 2
- Views: 13557
John R. - Need to get in contact with u but PMs turned off.
Ms seem to be turned off on NFB. You cannot post on raddr's site apparently, so not sure how to swap pvt messages before site shuts down. If you are able to get my email address off Rob & test you have the right one by sending a message, that would solve the problem. I may have Rob's email but I...
- Thu Mar 24, 2005 3:57 am
- Forum: SWR Research Group
- Topic: Dead Posts File
- Replies: 16
- Views: 33232
- Thu Mar 24, 2005 3:47 am
- Forum: SWR Research Group
- Topic: TIPS drawdown at staggered coupon rates
- Replies: 28
- Views: 73311
- Thu Mar 24, 2005 3:39 am
- Forum: FIRE Board
- Topic: FIREcalc
- Replies: 13
- Views: 28211
Hi Petey, nice post. Just as an aside, TIPS over 30 years using 10-year TIPS and reinvesting get an estimated 4% real with little taxes and cuts out volatility due to holding to redemption. This line puzzles me though. 10 year TIPS don't offer any where near 4% real return. I guess you are talking ...
- Tue Mar 22, 2005 7:07 pm
- Forum: SWR Research Group
- Topic: TIPS drawdown at staggered coupon rates
- Replies: 28
- Views: 73311
French Oati is now down to 1.4% for 10-year TIPS. What we really need (when you have the time) is the 5 to 50 year grid on returns in 5 basis point increments! 2.00%, 1.95% and so on down. One has to be able to work with the numbers for TIPS from different countries and they are all different rates...
- Tue Mar 22, 2005 5:23 pm
- Forum: FIRE Board
- Topic: FIREcalc
- Replies: 13
- Views: 28211
Yes one of my issues with current calculators is that they do not give us the chance to see how things would have worked out with a more modern portfolio structure - be it reits, commodities, PM, foreign equity, foreign bonds Etc. There is of course a good reason for that; we do not have nearly as ...
- Mon Mar 21, 2005 11:46 pm
- Forum: SWR Research Group
- Topic: TIPS drawdown at staggered coupon rates
- Replies: 28
- Views: 73311
TIPS drawdown at staggered coupon rates
John, Could you run the numbers for up to 50 years on 1.7% coupon please? This seems to be quite common at the 10-year TIPS term across many developed TIPS markets. In fact. I'm gonna drive you nuts, John. French Oati is now down to 1.4% for 10-year TIPS. What we really need (when you have the time)...
- Mon Mar 21, 2005 9:53 pm
- Forum: SWR Research Group
- Topic: TIPS Equivalents
- Replies: 7
- Views: 16682
It is difficult to believe that I-Bonds paying just 1.05% can give a 40-year retiree 3.07% inflation-adjusted withdrawals. If so, it certainly gives one pause. The thing here is that it is crucial to ensure one actually gets that return and does not suffer safe withdrawal rate losses set against to...
- Mon Mar 21, 2005 9:04 pm
- Forum: FIRE Board
- Topic: FIREcalc
- Replies: 13
- Views: 28211
Fully agree. And let's not forget that the calculator is basing reply on the historical WORST case scenario :shock:. of a poorly diversified portfolio :shock:, US based only :shock:while blindly pulling a set % plus inflation increases nomatter WHAT the market does :shock:. Each :shock:points out w...
- Mon Mar 21, 2005 2:48 pm
- Forum: SWR Research Group
- Topic: Conservative distribution phase portfolio
- Replies: 8
- Views: 17398
- Mon Mar 21, 2005 11:20 am
- Forum: SWR Research Group
- Topic: TIPS Equivalents
- Replies: 7
- Views: 16682
Were these run the same way as TIPS or rushed because you were short on time when you posted? When you can, I would appreciate an extension like with TIPS out to 45 and 50 years to cover 50 years olds too. I look forward to hearing your thoughts on my long post when you have more time. I have put t...
- Mon Mar 21, 2005 10:25 am
- Forum: SWR Research Group
- Topic: Conservative distribution phase portfolio
- Replies: 8
- Views: 17398
- Mon Mar 21, 2005 10:10 am
- Forum: SWR Research Group
- Topic: We Have Seen the Future of Retire Early Boards,and It Works!
- Replies: 30
- Views: 46760
I suggest you back up and read Petey's post. That is the way to approach the issue. That's the approach that was followed in every post that was put to the Alternate SWR Methodology board (with the exception of the small number that were deleted pursuant to Dory36's instructions), both those put up...
- Mon Mar 21, 2005 10:06 am
- Forum: SWR Research Group
- Topic: We Have Seen the Future of Retire Early Boards,and It Works!
- Replies: 30
- Views: 46760
Hocus I suggest you back up and read Petey's post. That is the way to approach the issue. And then there is this other guy - Adam Smith and his 'Invisible Hand'. Alas - he is long deceased. Numbers rule. The other stuff is Shakespeare's - Sound and fury signifing nothing. Hi Uncle, Could you clarif...
- Mon Mar 21, 2005 10:05 am
- Forum: SWR Research Group
- Topic: We Have Seen the Future of Retire Early Boards,and It Works!
- Replies: 30
- Views: 46760
- Sun Mar 20, 2005 5:58 pm
- Forum: SWR Research Group
- Topic: Conservative distribution phase portfolio
- Replies: 8
- Views: 17398
Alrighty Lets nit pick a little. This be a high maintence portfoflio. Expense control might become an issue - if you fall into the trap of excessive rebalancing. However - here's what I like. In a period of stress one can sidestep market bonkers moves via the TIPs ladder and allow primary trends to...
- Sun Mar 20, 2005 5:19 pm
- Forum: SWR Research Group
- Topic: We Have Seen the Future of Retire Early Boards,and It Works!
- Replies: 30
- Views: 46760
Here is my reply to the thread where we were discussing investing strategies: This speaks to some of the problems I have with the 4% number. The 4% number is a useful starting point but it is exactly that, a starting point. The actual experience will always be different. It makes complete sense to m...
- Sun Mar 20, 2005 2:39 pm
- Forum: SWR Research Group
- Topic: Our Standard Analysis Procedures
- Replies: 13
- Views: 25010
Just a quick note. I think TIPS are even lower than 2% today. Depends on how long you are buying the term but if you plan to schedule TIPS coming due each year automatically then only 5- and 10-year bonds would work for this plan to schedule yearly and remove price volatility risk. These have the lo...