Our research is centered around retirement investing. One might choose an alternative phase such as retirement related investing or retirement oriented investing."I still don't like SWR. Maybe we could have a naming contest - Expected Future Results based on valuation, or something "
In the long run, I see us using labels other than "SWR analysis" for what we are doing here. The SWR is one point on a spectrum of possibilities, and we have already at times ventured beyond just identifying that point. We will be using the tool that we developed to identify the SWR to do all sorts of other things down the road.
One thought that I have for a board title to use down the road is "Probability Investing." Our core task is to make use of historical stock-return data to assess probabilities of various investment outcomes.
"SWR will continue to be misconstrued"
I hear you. But it didn't have to be that way.
Regardless, safety will always be central to retirement finances.
Safe Withdrawal Rate investigations, defined broadly and accurately, will always be a key element of our investigations. Defined narrowly and inaccurately, the words can be twisted into a tool for deception.
To do our research properly, we need to separate the objective review of what the historical record tells us from our subjective preferences. That is why we appeal to the data when making Safe Withdrawal Rate calculations, but we do not limit our actions simply because of such calculations. We broaden our outlook. The calculations assist us. They do not rule over us.
We have taken a few steps outside of the distribution stage and into the accumulation stage. There are some important differences. In that sense, we have moved a little bit beyond Safe Withdrawal Rate investigations. Still, in the background, there is always a need to know something about the distribution stage in order to set our goals during the accumulation phase.
Have fun.
John R.