Search found 8 matches

by mickeyd
Thu Feb 24, 2005 10:40 am
Forum: SWR Research Group
Topic: Is the 'Safe' Initial Withdrawal Rate Too Safe?
Replies: 2
Views: 10687

Is the 'Safe' Initial Withdrawal Rate Too Safe?

This article is a few years old but I think that it still presents valid considerations to look at SWR. This paper establishes new guidelines for determining the maximum "safe" initial withdrawal rate, defined as (1) never requiring a reduction in withdrawals from any previous year, (2) al...
by mickeyd
Tue Dec 21, 2004 10:14 am
Forum: FIRE Board
Topic: Housing as part of your assets
Replies: 7
Views: 13590

I do not include the value of my residence as part of any portfolio. Nor do I include what is in my bank account, stamp collection, coin collection, or value of my two automobiles. Even though these things all have a definate market value, I have chosen to include them in my "buffer".
by mickeyd
Sat Aug 28, 2004 7:19 am
Forum: SWR Research Group
Topic: The Chinese Box
Replies: 8
Views: 9660

Hey unclemick, I like the Chinese Box idea a lot. It got me to thinking (always a dangerous concept) that the simplest things seem to work the best in the long run. As we DCA $ into our investments in our yourger years and later (as we get grayer) we slowly make withdrawals to live on we are simply ...
by mickeyd
Sat Jul 31, 2004 8:12 am
Forum: Town Center
Topic: Some people are jerks, but you never knew it ;-(
Replies: 41
Views: 52582

As an uninterested observer- you all seem to be obsessed with this situation. I know that no one invited me into this thread and you would probably wish me to go away but I suggest you drop it and just get along.
by mickeyd
Fri Jul 30, 2004 9:02 am
Forum: Town Center
Topic: Some people are jerks, but you never knew it ;-(
Replies: 41
Views: 52582

TMF?
by mickeyd
Fri Jul 30, 2004 8:32 am
Forum: Town Center
Topic: Some people are jerks, but you never knew it ;-(
Replies: 41
Views: 52582

ES, I read your initial post twice, trying to understand it. I read Hocus reply and your reply to him. I'm still lost. I have no idea who/what you are refering to when you use "friend" or "friends" . There is obviously some past history that I am not privy to. From what I can sur...
by mickeyd
Sat Jul 03, 2004 1:19 pm
Forum: SWR Research Group
Topic: From Chapter 4
Replies: 7
Views: 10324

Hey Bookm, Thanks so much for you insight and wisdom. I was aware of the Callan site but had not referred to it recently. I see your point regarding the MSCI/EAFE index. It contrasts favorably the S&P 500/Barra Index. I generally use the DJ Wilshire Index rather that the S&P 500 but the comp...
by mickeyd
Sat Jul 03, 2004 9:02 am
Forum: SWR Research Group
Topic: From Chapter 4
Replies: 7
Views: 10324

Chapter 4 On page #101 "...I am not persuaded that international funds are a necessary component of an investor's portfolio". Most asset allocation models seem to always include international as part of the equity mix (ususlly about 10%. In another passage in the book (I can not locate it ...