### New Tool errata

Posted:

**Tue Jun 22, 2004 8:06 pm**Refer to

http://nofeeboards.com/boards/viewtopic.php?t=2427

Here are the corrected statistics for HDBR80. The formulas were right, but the statistics were wrong.

This is the relevant HDBR80 information:

For HDBR80, which has 80% stocks and 20% commercial paper and an expense ratio of 0.20%, the equations for the 30-year Calculated rates (i.e., the most likely Zero Balance Rates) and return0 are:

Code:

Years R Squared Equation

6 0.5241 y = 2.2778x - 9.5372

10 0.7478 y = 1.9526x - 7.6448

14 0.9045 y = 1.8432x - 6.8875

and the statistics are:

Code:

Std. Dev HDBR80 return0

6 years 1.819669 4.144842

10 years 1.108973 2.16538

14 years 0.620502 1.143709

These are the standard deviations for HDBR80 and its annualized return (return0) for 6, 10 and 14 years. All numbers are percentages. (The slope also equals ratio of the standard deviations.)

Have fun.

John R.

**A New Tool**from Wed Apr 28, 2004 at 4:41 pm CDT.http://nofeeboards.com/boards/viewtopic.php?t=2427

Here are the corrected statistics for HDBR80. The formulas were right, but the statistics were wrong.

This is the relevant HDBR80 information:

For HDBR80, which has 80% stocks and 20% commercial paper and an expense ratio of 0.20%, the equations for the 30-year Calculated rates (i.e., the most likely Zero Balance Rates) and return0 are:

Code:

Years R Squared Equation

6 0.5241 y = 2.2778x - 9.5372

10 0.7478 y = 1.9526x - 7.6448

14 0.9045 y = 1.8432x - 6.8875

and the statistics are:

Code:

Std. Dev HDBR80 return0

6 years 1.819669 4.144842

10 years 1.108973 2.16538

14 years 0.620502 1.143709

These are the standard deviations for HDBR80 and its annualized return (return0) for 6, 10 and 14 years. All numbers are percentages. (The slope also equals ratio of the standard deviations.)

Have fun.

John R.