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JWR1945
***** Legend

Joined: 26 Nov 2002
Posts: 1697
Location: Crestview, Florida

JWR1945
***** Legend

Joined: 26 Nov 2002
Posts: 1697
Location: Crestview, Florida

 Posted: Sat Feb 26, 2005 5:31 pm    Post subject: Conditions 1921-1980 \$100000 initial balance Gummy Algorithm 2 is set for Yes (cell F23 equals 1) Gummy Inflation Term G2 is set for CPI (cell I24 equals 2) Gummy's Multiplier G3 = (0.50) in cell F25 Gummy's Offset G4 is 2.50 in cell I25 Stocks = 50% Commercial Paper = 50% Withdrawal Rate in cell B9 was set at 1.3%. There were no failures at 30 years with B9 set at 1.3%. There was one failure at 30 years with B9 set at 1.4%. Expenses = 0.20% With Rebalancing Five Year Rolling Averages Year, At Year 5, At Year 10, At Year 15 Code: 1921 6213 3049 4820 1922 5392 3388 4234 1923 4696 3988 3819 1924 3853 4395 3714 1925 3283 4798 3444 1926 2993 4751 3533 1927 3311 4138 4028 1928 3892 3695 4202 1929 4248 3520 4400 1930 4661 3257 4609 1931 4648 3396 4527 1932 4072 3949 4439 1933 3702 4209 4437 1934 3542 4423 4460 1935 3308 4657 4567 1936 3404 4535 4720 1937 3900 4392 4620 1938 4163 4390 4456 1939 4408 4445 4303 1940 4627 4536 4002 1941 4573 4758 3755 1942 4482 4712 3611 1943 4448 4520 3571 1944 4504 4371 3290 1945 4586 4064 3210 1946 4779 3785 3218 1947 4737 3649 3175 1948 4559 3630 3001 1949 4416 3359 2909 1950 4128 3308 2825 1951 3831 3287 2682 1952 3631 3149 2685 1953 3591 2946 2629 1954 3329 2867 2654 1955 3221 2710 2747 1956 3203 2570 2907 1957 3085 2599 3000 1958 2901 2570 3092 1959 2781 2543 3309 1960 2669 2697 3832 1961 2550 2883 4107 1962 2559 2955 4377 1963 2517 3034 4920 1964 2515 3278 5231 1965 2660 3794 5222 1966 2844 4067 5395 1967 2944 4365 5876 1968 2869 4761 5838 1969 3268 5222 5844 1970 3809 5235 5725 1971 4087 5414 5495 1972 4250 5773 4723 1973 4726 5839 4307 1974 5261 5887 4079 1975 5297 5797 3731 1976 5457 5549 3489 1977 5932 4877 3338 1978 6013 4501 3171 1979 5954 4179 3010 1980 5835 3788 2943 Year, At Year 20, At Year 25, At Year 30 Code: 1921 3627 4740 4928 1922 4144 4628 4860 1923 4335 4564 4645 1924 4594 4636 4525 1925 4784 4699 4207 1926 4654 4840 3871 1927 4516 4746 3663 1928 4430 4500 3541 1929 4437 4293 3170 1930 4517 3978 3078 1931 4712 3690 3080 1932 4668 3545 3028 1933 4508 3552 2892 1934 4320 3212 2708 1935 4041 3174 2647 1936 3701 3096 2427 1937 3471 2925 2386 1938 3474 2784 2417 1939 3185 2672 2402 1940 3114 2568 2570 1941 3175 2532 2863 1942 3122 2648 3056 1943 2919 2594 3119 1944 2815 2587 3356 1945 2695 2729 3865 1946 2591 2931 4155 1947 2719 3137 4555 1948 2700 3238 5110 1949 2708 3486 5418 1950 2891 4032 5441 1951 3039 4263 5582 1952 3099 4518 6023 1953 3159 5036 6066 1954 3429 5366 6004 1955 3884 5304 5806 1956 4131 5456 5547 1957 4421 5930 4874 1958 4974 6003 4487 1959 5259 5885 4076 1960 5257 5750 3659 1961 5433 5519 3444 1962 5888 4815 3250 1963 5948 4405 3040 1964 5855 4030 2807 1965 5708 3597 2689 1966 5471 3373 2439 1967 4800 3228 2315 1968 4306 2939 2075 1969 4014 2786 1887 1970 3621 2722 1670 1971 3408 2486 1545 1972 3163 2258 1427 1973 2940 2076 1126 1974 2874 2015 1080 1975 2867 1898 979 1976 2591 1718 609 1977 2462 1734 271 1978 2366 1550 322 1979 2213 1340 320 1980 2017 1107 306 Have fun. John R.
JWR1945
***** Legend

Joined: 26 Nov 2002
Posts: 1697
Location: Crestview, Florida

 Posted: Sat Feb 26, 2005 5:36 pm    Post subject: Conditions 1921-1980 \$100000 initial balance Gummy Algorithm 2 is set for Yes (cell F23 equals 1) Gummy Inflation Term G2 is set for CPI (cell I24 equals 2) Gummy's Multiplier G3 = (0.25) in cell F25 Gummy's Offset G4 is 2.50 in cell I25 Stocks = 50% Commercial Paper = 50% Withdrawal Rate in cell B9 was set at 2.6%. There were no failures at 30 years with B9 set at 2.6%. There was one failure at 30 years with B9 set at 2.7%. Expenses = 0.20% With Rebalancing Five Year Rolling Averages Year, At Year 5, At Year 10, At Year 15 Code: 1921 5160 3638 4544 1922 4753 3810 4255 1923 4403 4099 4037 1924 3993 4302 3990 1925 3712 4492 3845 1926 3563 4451 3866 1927 3722 4144 4097 1928 3997 3906 4151 1929 4155 3795 4219 1930 4359 3664 4318 1931 4355 3736 4277 1932 4083 4024 4247 1933 3913 4159 4255 1934 3817 4241 4243 1935 3711 4362 4303 1936 3741 4281 4357 1937 3974 4199 4296 1938 4114 4210 4229 1939 4228 4231 4148 1940 4336 4275 4001 1941 4322 4398 3902 1942 4290 4389 3858 1943 4268 4292 3838 1944 4287 4214 3694 1945 4322 4060 3653 1946 4417 3928 3664 1947 4412 3893 3682 1948 4328 3893 3608 1949 4257 3759 3559 1950 4120 3746 3530 1951 3970 3725 3447 1952 3870 3650 3439 1953 3851 3549 3408 1954 3726 3515 3426 1955 3659 3414 3441 1956 3643 3337 3505 1957 3588 3356 3554 1958 3506 3353 3610 1959 3434 3321 3694 1960 3379 3397 3950 1961 3322 3488 4083 1962 3323 3515 4208 1963 3308 3559 4479 1964 3300 3671 4623 1965 3368 3920 4611 1966 3456 4052 4695 1967 3512 4204 4939 1968 3405 4331 4871 1969 3668 4620 4918 1970 3942 4631 4867 1971 4077 4719 4753 1972 4093 4835 4308 1973 4296 4872 4106 1974 4662 4965 4074 1975 4694 4940 3931 1976 4761 4807 3796 1977 4998 4479 3727 1978 5049 4313 3671 1979 5026 4164 3605 1980 4972 3979 3579 Year, At Year 20, At Year 25, At Year 30 Code: 1921 3991 4512 4591 1922 4230 4446 4548 1923 4292 4389 4423 1924 4413 4420 4369 1925 4487 4433 4200 1926 4396 4474 4009 1927 4318 4417 3901 1928 4247 4269 3803 1929 4221 4137 3575 1930 4257 3978 3526 1931 4353 3839 3533 1932 4345 3791 3540 1933 4278 3817 3501 1934 4163 3614 3363 1935 4036 3616 3357 1936 3845 3542 3201 1937 3717 3435 3153 1938 3742 3397 3211 1939 3592 3332 3191 1940 3563 3287 3282 1941 3626 3314 3478 1942 3633 3417 3622 1943 3531 3385 3645 1944 3471 3370 3745 1945 3407 3431 3986 1946 3365 3538 4134 1947 3482 3697 4386 1948 3485 3758 4664 1949 3484 3868 4800 1950 3585 4144 4817 1951 3635 4231 4866 1952 3648 4338 5068 1953 3672 4584 5083 1954 3806 4744 5056 1955 3995 4680 4924 1956 4101 4742 4782 1957 4245 4979 4452 1958 4526 5024 4276 1959 4643 4943 4041 1960 4639 4875 3834 1961 4725 4760 3727 1962 4943 4402 3618 1963 4976 4206 3523 1964 4921 4008 3391 1965 4843 3785 3323 1966 4723 3671 3194 1967 4397 3611 3149 1968 4105 3421 2989 1969 4004 3386 2933 1970 3820 3369 2853 1971 3716 3254 2798 1972 3529 3077 2662 1973 3423 2991 2514 1974 3481 3071 2622 1975 3517 3083 2624 1976 3358 2968 2382 1977 3305 2994 2204 1978 3299 2954 2247 1979 3252 2858 2238 1980 3182 2731 2218 Balances Year, At Year 10, At Year 20, At Year 30 Code: 1921 208091 251451 222313 1922 163726 187165 202918 1923 149772 159609 178222 1924 188012 175136 183615 1925 154770 161911 192254 1926 171938 161211 178114 1927 178923 114421 157605 1928 120006 74302 91695 1929 93805 43623 39523 1930 96837 44565 34880 1931 94639 49280 41885 1932 95442 72897 95627 1933 94299 84086 117078 1934 75682 51770 64301 1935 89613 79062 101270 1936 75551 49858 40282 1937 47171 27898 3375 1938 55505 53986 56336 1939 48871 51090 40605 1940 51730 55403 43509 1941 65892 86998 90937 1942 88314 137559 152313 1943 92590 133880 161398 1944 84021 132331 125693 1945 95612 132465 93066 1946 96212 126261 94784 1947 136255 182918 159298 1948 144406 222358 169373 1949 167174 225482 165775 1950 162790 200766 155589 1951 153328 182774 145057 1952 158679 178493 122058 1953 147439 180880 125303 1954 164797 163761 139883 1955 139790 99307 90616 1956 126986 90993 72526 1957 121614 92107 85889 1958 141423 94387 102884 1959 119451 69658 63677 1960 107982 63203 63972 1961 105933 63489 58640 1962 99184 47369 45776 1963 110525 55440 56621 1964 86313 45392 34998 1965 62844 35688 19804 1966 64340 32694 15241 1967 69204 46836 37592 1968 58292 41006 38311 1969 53734 36944 32892 1970 56877 53162 68929 1971 58492 50821 68387 1972 50347 55105 63006 1973 50411 51758 53682 1974 68196 82809 86978 1975 95336 130590 132929 1976 87454 120272 90308 1977 101496 139775 83667 1978 117864 203535 97917 1979 128492 245961 90903 1980 146111 281133 85175 Have fun. John R.
JWR1945
***** Legend

Joined: 26 Nov 2002
Posts: 1697
Location: Crestview, Florida

 Posted: Sat Feb 26, 2005 5:39 pm    Post subject: Conditions 1921-1980 \$100000 initial balance Gummy Algorithm 2 is set for Yes (cell F23 equals 1) Gummy Inflation Term G2 is set for CPI (cell I24 equals 2) Gummy's Multiplier G3 = (0.50) in cell F25 Gummy's Offset G4 is 2.50 in cell I25 Stocks = 80% Commercial Paper = 20% Withdrawal Rate in cell B9 was set at 1.1%. There were no failures at 30 years with B9 set at 1.1%. There was one failure at 30 years with B9 set at 1.2%. Expenses = 0.20% With Rebalancing Five Year Rolling Averages Year, At Year 5, At Year 10, At Year 15 Code: 1921 6031 2962 4699 1922 5217 3299 4126 1923 4517 3857 3695 1924 3691 4250 3603 1925 3121 4616 3310 1926 2821 4546 3371 1927 3132 3935 3851 1928 3688 3481 3996 1929 4024 3291 4176 1930 4436 3039 4395 1931 4432 3197 4335 1932 3894 3797 4308 1933 3547 4067 4334 1934 3359 4244 4311 1935 3139 4490 4437 1936 3208 4346 4552 1937 3689 4193 4435 1938 3968 4218 4313 1939 4208 4268 4154 1940 4428 4362 3864 1941 4386 4599 3666 1942 4313 4577 3591 1943 4274 4384 3545 1944 4322 4228 3249 1945 4398 3919 3161 1946 4580 3632 3142 1947 4553 3544 3177 1948 4384 3545 3033 1949 4246 3282 2941 1950 3961 3239 2860 1951 3658 3187 2672 1952 3458 3037 2649 1953 3419 2832 2582 1954 3166 2764 2618 1955 3039 2566 2640 1956 3012 2411 2765 1957 2896 2443 2855 1958 2725 2431 2962 1959 2589 2375 3140 1960 2480 2526 3656 1961 2363 2708 3924 1962 2367 2767 4182 1963 2332 2852 4725 1964 2321 3084 5025 1965 2460 3590 5011 1966 2640 3859 5183 1967 2745 4161 5669 1968 2669 4558 5638 1969 3063 5008 5631 1970 3611 5029 5520 1971 3885 5208 5289 1972 4052 5574 4523 1973 4527 5638 4107 1974 5056 5685 3889 1975 5111 5618 3588 1976 5257 5351 3316 1977 5728 4680 3164 1978 5817 4325 3034 1979 5757 4006 2882 1980 5637 3620 2820 Year, At Year 20, At Year 25, At Year 30 Code: 1921 3603 4727 4999 1922 4098 4630 4949 1923 4231 4523 4698 1924 4492 4608 4622 1925 4652 4635 4279 1926 4503 4736 3907 1927 4366 4639 3708 1928 4250 4353 3487 1929 4229 4101 3007 1930 4321 3802 2941 1931 4540 3561 3020 1932 4570 3578 3231 1933 4459 3686 3257 1934 4214 3222 2849 1935 3978 3271 2908 1936 3584 3058 2480 1937 3321 2816 2325 1938 3411 2819 2564 1939 3109 2676 2496 1940 3057 2592 2674 1941 3201 2693 3106 1942 3252 2965 3453 1943 3032 2867 3449 1944 2890 2794 3581 1945 2746 2877 4004 1946 2604 2999 4205 1947 2854 3327 4704 1948 2868 3450 5242 1949 2865 3656 5499 1950 3029 4154 5499 1951 3081 4284 5572 1952 3091 4484 5970 1953 3131 4966 5993 1954 3397 5284 5939 1955 3768 5165 5683 1956 3979 5293 5398 1957 4264 5764 4731 1958 4820 5847 4372 1959 5072 5703 3917 1960 5068 5566 3502 1961 5243 5334 3287 1962 5688 4622 3073 1963 5751 4221 2877 1964 5650 3832 2621 1965 5499 3390 2487 1966 5258 3161 2227 1967 4594 3030 2127 1968 4106 2740 1875 1969 3801 2574 1677 1970 3425 2537 1521 1971 3212 2302 1403 1972 2963 2056 1226 1973 2740 1877 926 1974 2705 1900 1020 1975 2773 1967 1069 1976 2451 1702 536 1977 2329 1730 157 1978 2309 1671 225 1979 2199 1447 186 1980 2055 1162 139 Have fun. John R.
JWR1945
***** Legend

Joined: 26 Nov 2002
Posts: 1697
Location: Crestview, Florida

 Posted: Sat Feb 26, 2005 5:43 pm    Post subject: Conditions 1921-1980 \$100000 initial balance Gummy Algorithm 2 is set for Yes (cell F23 equals 1) Gummy Inflation Term G2 is set for CPI (cell I24 equals 2) Gummy's Multiplier G3 = (0.25) in cell F25 Gummy's Offset G4 is 2.50 in cell I25 Stocks = 80% Commercial Paper = 20% Withdrawal Rate in cell B9 was set at 2.5%. There were no failures at 30 years with B9 set at 2.5%. There was one failure at 30 years with B9 set at 2.6%. Expenses = 0.20% With Rebalancing Five Year Rolling Averages Year, At Year 5, At Year 10, At Year 15 Code: 1921 5078 3653 4522 1922 4678 3822 4246 1923 4324 4067 4012 1924 3931 4256 3976 1925 3650 4409 3808 1926 3490 4346 3801 1927 3643 4041 4017 1928 3892 3791 4042 1929 4031 3666 4093 1930 4234 3545 4202 1931 4238 3637 4183 1932 4004 3970 4213 1933 3858 4116 4249 1934 3733 4161 4192 1935 3641 4294 4270 1936 3644 4191 4287 1937 3863 4098 4209 1938 4019 4137 4183 1939 4128 4153 4098 1940 4237 4200 3962 1941 4235 4339 3913 1942 4220 4353 3936 1943 4193 4254 3909 1944 4205 4170 3750 1945 4234 4014 3702 1946 4317 3875 3686 1947 4327 3887 3782 1948 4253 3908 3738 1949 4186 3780 3688 1950 4053 3775 3661 1951 3897 3724 3532 1952 3796 3635 3498 1953 3778 3532 3455 1954 3663 3509 3484 1955 3576 3368 3428 1956 3551 3275 3459 1957 3499 3298 3505 1958 3430 3311 3576 1959 3341 3251 3622 1960 3289 3324 3871 1961 3235 3410 3998 1962 3229 3426 4111 1963 3222 3476 4383 1964 3207 3575 4515 1965 3268 3816 4500 1966 3352 3942 4581 1967 3413 4099 4830 1968 3305 4228 4771 1969 3563 4505 4803 1970 3843 4523 4759 1971 3975 4611 4645 1972 3996 4736 4208 1973 4197 4772 4006 1974 4557 4861 3982 1975 4607 4859 3887 1976 4661 4708 3722 1977 4893 4380 3653 1978 4953 4237 3634 1979 4928 4091 3576 1980 4873 3910 3556 Year, At Year 20, At Year 25, At Year 30 Code: 1921 4070 4601 4768 1922 4283 4548 4737 1923 4285 4446 4574 1924 4408 4487 4558 1925 4452 4464 4363 1926 4342 4464 4134 1927 4264 4404 4033 1928 4164 4217 3839 1929 4111 4040 3504 1930 4158 3898 3483 1931 4278 3807 3569 1932 4344 3920 3836 1933 4325 4043 3952 1934 4152 3716 3590 1935 4068 3803 3703 1936 3822 3595 3341 1937 3663 3420 3183 1938 3775 3527 3449 1939 3613 3432 3378 1940 3604 3409 3483 1941 3752 3574 3820 1942 3861 3830 4115 1943 3740 3752 4068 1944 3641 3669 4063 1945 3553 3673 4217 1946 3475 3701 4279 1947 3713 3981 4630 1948 3748 4063 4891 1949 3734 4130 4975 1950 3815 4357 4969 1951 3769 4345 4949 1952 3734 4398 5109 1953 3737 4608 5104 1954 3868 4758 5085 1955 3974 4637 4895 1956 4045 4675 4727 1957 4184 4910 4403 1958 4469 4964 4255 1959 4554 4858 3976 1960 4548 4788 3769 1961 4632 4672 3663 1962 4841 4305 3534 1963 4878 4118 3454 1964 4814 3906 3299 1965 4731 3674 3214 1966 4607 3555 3077 1967 4288 3508 3056 1968 4005 3321 2890 1969 3888 3271 2821 1970 3721 3282 2803 1971 3618 3168 2758 1972 3429 2975 2560 1973 3323 2893 2413 1974 3412 3060 2671 1975 3523 3257 2818 1976 3318 3058 2413 1977 3272 3096 2192 1978 3343 3180 2251 1979 3338 3067 2205 1980 3320 2885 2152 Balances Year, At Year 10, At Year 20, At Year 30 Code: 1921 278085 351276 470344 1922 183246 251801 445850 1923 152106 209923 378315 1924 213722 244125 392588 1925 160673 220753 423969 1926 187922 224729 398089 1927 206392 150454 351327 1928 112208 87082 182720 1929 77954 39869 64542 1930 85757 48161 80266 1931 92454 75426 145006 1932 115882 165367 412442 1933 125035 200369 459348 1934 92986 114667 281271 1935 120031 195954 414417 1936 95550 122054 205692 1937 51059 66224 81556 1938 72990 142023 272882 1939 63325 145938 222065 1940 69980 155844 204590 1941 99634 226358 308882 1942 144406 362544 479468 1943 148381 327226 492032 1944 127235 317258 335415 1945 151456 309138 218624 1946 143171 256718 201553 1947 214352 365483 335060 1948 221489 451339 335680 1949 272992 451567 329556 1950 255567 360209 293574 1951 223707 302808 258486 1952 229518 288742 197551 1953 203060 290401 206751 1954 236942 241769 236071 1955 186009 120949 140790 1956 159868 110495 109158 1957 146665 112523 133926 1958 180343 113832 160171 1959 139603 76119 90587 1960 118750 69177 92986 1961 115791 69784 81943 1962 105759 44923 60426 1963 123804 57286 80921 1964 84246 42361 42345 1965 53445 28639 15388 1966 56963 23949 4598 1967 65524 45144 46869 1968 50123 33549 37457 1969 45626 28609 27920 1970 53298 57204 115585 1971 55145 52929 109962 1972 42091 55340 83413 1973 41113 46894 56204 1974 67829 106634 125699 1975 109370 196047 208084 1976 93820 170721 116632 1977 112631 202050 96372 1978 137158 335498 112469 1979 150140 421305 94230 1980 174007 482836 80054 Have fun. John R.
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