NoFeeBoards.com!

beachbumz I believe that Hocus IS FIREd at least for now and possible indefinitely (but not with his current portfolio). My definition of financial independence is the ability to live off your passive investments without the need for any kind of job or employment. I also think there are many 'retir...

Here is what would have happened with the worst case sequence of withdrawal amounts if I had applied the formula. With an initial balance of $100000, the lowest withdrawal amount (with valid data) is $2041 at the end of the 1969 sequence. Its initial withdrawal amount was $2541. The actual Half-Fail...

With 2% TIPS Balances Reference with 80% stocks 1921-1980 $100000 initial balance Gummy Algorithm 1 is set for Yes (cell B24 equals 1) Gummy's Multiplier G1 = 0.25 in cell B25 Gummy's Offset is (2.5) or minus 2.5% in cell B17 Stocks = 80% TIPS at a 2% interest rate = 20% With Rebalancing I used the ...

With 2% TIPS Withdrawal Amounts Reference with 80% stocks 1921-1980 $100000 initial balance Gummy Algorithm 1 is set for Yes (cell B24 equals 1) Gummy's Multiplier G1 = 0.25 in cell B25 Gummy's Offset is (2.5) or minus 2.5% in cell B17 Stocks = 80% TIPS at a 2% interest rate = 20% With Rebalancing I...

With 2% TIPS Reference with 80% stocks 1921-1980 $100000 initial balance Gummy Algorithm 1 is set for Yes (cell B24 equals 1) Gummy's Multiplier G1 = 0.25 in cell B25 Gummy's Offset is (2.5) or minus 2.5% in cell B17 Stocks = 80% TIPS at a 2% interest rate = 20% With Rebalancing I used the CPI for i...

Scroll down to get to the Corrected Version I used a flawed procedure in this study. I used the actual Half-Failure Rates from the historical record. Such information would not have been available at that time. I should have used calculated values derived from the historical record. I have taken a n...

... My reasoning that he may be ok is based on social security being there in basically it's current form for him. (I'm pretty sure it will not be for me, but it possibly will be for him). The numbers I used to analyze his situation are: Budget of $38,000 per year Portfolio of $400,000 House equity...

New TIPS at 2% Interest Conditions 1921-1980 $100000 initial balance Gummy Algorithm 1 is set for Yes (cell B24 equals 1) Gummy's Multiplier G1 = 0.25 in cell B25 Gummy's Offset is (2.5) or minus 2.5% in cell B17 Stocks = 50% TIPS at a 2% interest rate = 50% Withdrawal Rate in cell B9 was set at 3.6...

New TIPS at 2% Interest Conditions 1921-1980 $100000 initial balance Gummy Algorithm 1 is set for Yes (cell B24 equals 1) Gummy's Multiplier G1 = 0.50 in cell B25 Gummy's Offset is (2.5) or minus 2.5% in cell B17 Stocks = 50% TIPS at a 2% interest rate = 50% Withdrawal Rate in cell B9 was set at 3.0...

New TIPS at 2% Interest Conditions 1921-1980 $100000 initial balance Gummy Algorithm 1 is set for Yes (cell B24 equals 1) Gummy's Multiplier G1 = 0.25 in cell B25 Gummy's Offset is (2.5) or minus 2.5% in cell B17 Stocks = 80% TIPS at a 2% interest rate = 20% Withdrawal Rate in cell B9 was set at 3.4...

New TIPS at 2% Interest Conditions 1921-1980 $100000 initial balance Gummy Algorithm 1 is set for Yes (cell B24 equals 1) Gummy's Multiplier G1 = 0.50 in cell B25 Gummy's Offset is (2.5) or minus 2.5% in cell B17 Stocks = 80% TIPS at a 2% interest rate = 20% Withdrawal Rate in cell B9 was set at 2.8...

New TIPS at 1% Interest Conditions 1921-1980 $100000 initial balance Gummy Algorithm 1 is set for Yes (cell B24 equals 1) Gummy's Multiplier G1 = 0.25 in cell B25 Gummy's Offset is (2.5) or minus 2.5% in cell B17 Stocks = 50% TIPS at a 1% interest rate = 50% Withdrawal Rate in cell B9 was set at 3.4...

New TIPS at 1% Interest Conditions 1921-1980 $100000 initial balance Gummy Algorithm 1 is set for Yes (cell B24 equals 1) Gummy's Multiplier G1 = 0.50 in cell B25 Gummy's Offset is (2.5) or minus 2.5% in cell B17 Stocks = 50% TIPS at a 1% interest rate = 50% Withdrawal Rate in cell B9 was set at 2.8...

New TIPS at 1% Interest Conditions 1921-1980 $100000 initial balance Gummy Algorithm 1 is set for Yes (cell B24 equals 1) Gummy's Multiplier G1 = 0.25 in cell B25 Gummy's Offset is (2.5) or minus 2.5% in cell B17 Stocks = 80% TIPS at a 1% interest rate = 20% Withdrawal Rate in cell B9 was set at 3.3...

New TIPS at 1% Interest Conditions 1921-1980 $100000 initial balance Gummy Algorithm 1 is set for Yes (cell B24 equals 1) Gummy's Multiplier G1 = 0.50 in cell B25 Gummy's Offset is (2.5) or minus 2.5% in cell B17 Stocks = 80% TIPS at a 1% interest rate = 20% Withdrawal Rate in cell B9 was set at 2.7...

Revised TIPS at 0% Interest Conditions 1921-1980 $100000 initial balance Gummy Algorithm 1 is set for Yes (cell B24 equals 1) Gummy's Multiplier G1 = 0.25 in cell B25 Gummy's Offset is (2.5) or minus 2.5% in cell B17 Stocks = 50% TIPS at a 0% interest rate = 50% Withdrawal Rate in cell B9 was set at...

Revised TIPS at 0% Interest Conditions 1921-1980 $100000 initial balance Gummy Algorithm 1 is set for Yes (cell B24 equals 1) Gummy's Multiplier G1 = 0.50 in cell B25 Gummy's Offset is (2.5) or minus 2.5% in cell B17 Stocks = 50% TIPS at a 0% interest rate = 50% Withdrawal Rate in cell B9 was set at...

Revised TIPS at 0% Interest Conditions 1921-1980 $100000 initial balance Gummy Algorithm 1 is set for Yes (cell B24 equals 1) Gummy's Multiplier G1 = 0.25 in cell B25 Gummy's Offset is (2.5) or minus 2.5% in cell B17 Stocks = 80% TIPS at a 0% interest rate = 20% Withdrawal Rate in cell B9 was set at...

Revised TIPS at 0% Interest Conditions 1921-1980 $100000 initial balance Gummy Algorithm 1 is set for Yes (cell B24 equals 1) Gummy's Multiplier G1 = 0.50 in cell B25 Gummy's Offset is (2.5) or minus 2.5% in cell B17 Stocks = 80% TIPS at a 0% interest rate = 20% Withdrawal Rate in cell B9 was set at...

I have rewritten this article because of some errors. There were bugs with the sequences beginning in 1892, 1968, 1972 and 1973. I have collected a new set of data. The results are better than previously reported. Algorithm G1 with TIPS Gummy recently came up with an interesting withdrawal algorithm...