A Reference Guide for Modifying Calculators

Research on Safe Withdrawal Rates

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JWR1945
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A Reference Guide for Modifying Calculators

Post by JWR1945 » Thu Dec 25, 2003 11:34 am

A Reference Guide for Modifying Calculators

I have reported my latest calculator modifications in Incorporating JanSz's Algorithms dated Wednesday, Dec 24, 2003 at 3:46 pm CST.
http://nofeeboards.com/boards/viewtopic.php?t=1904

They are a result of discussions about SWR accounting dated Sunday, Dec 21, 2003 at 8:14 pm CST
http://nofeeboards.com/boards/viewtopic.php?t=1891

There have been a lot of steps before I got to my latest calculator. Here is what you need.

Start with this thread: Request for assistance (with Excel) dated Saturday, Sep 06, 2003 at 11:15 am CST
http://nofeeboards.com/boards/viewtopic.php?t=1358
This post will help you download the Retire Early Safe Withdrawal [Rate] Calculator.
http://nofeeboards.com/boards/viewtopic ... 737#p12737
The next post tells you how to make the most important modifications to the Retire Early Safe Withdrawal [Rate] Calculator. You end up with the full switching capability that had been planned. There are three versions: switching of allocations between stocks and commercial paper or TIPS or ibonds.
http://nofeeboards.com/boards/viewtopic ... 176#p14176

This thread will help you use all versions of the calculator.
Even Easier Data Analysis dated Thursday, Dec 11, 2003 at 10:47 am CST
http://nofeeboards.com/boards/viewtopic.php?t=1819

This modification allows you to look at data summaries limited to a specified range of start years. You can exclude the years exhibiting the 1871-1920 anomaly.
Modifications to Improve Data Summaries dated Monday, Dec 15, 2003 at 5:56 pm CST
http://nofeeboards.com/boards/viewtopic.php?t=1841

This modification helps you tremendously when partially completed sequences fail and/or when sequences extend into the years with dummy numbers (2002-2010).
More Data Summary Modifications dated Saturday, Dec 20, 2003 at 9:14 pm CST
http://nofeeboards.com/boards/viewtopic.php?t=1885

Here are a couple of good references for calculator input data.

Yale Professor Shiller provides updated stock return information at his web site.
http://www.econ.yale.edu/~shiller/data.htm

For details about inflation, the site to visit is the Department of Labor, Bureau of Labor Statistics at http://stats.bls.gov/ Not only is it the source of the numbers, it has a discussion about how to adapt them for your own situation. They have provided an example for a person (such as a retiree) who spends more money on medical expenses than the typical urban worker.

Have fun and enjoy Christmas.

John R.

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