DonCamillo wrote:I remember planning for retirement using the projections in my Social Security statements in the 1980s. I didn't know that Congress was going to reduce my benefits dramatically by changing the retirement age, changing the COLA formula, and making 85% of my benefits taxable.
Stonebr wrote:I'd buy low, sell low. Or buy high sell, low. Or buy low and hold low and get bored.
Clearly_Irrational wrote:It doesn't, unless you enjoy uncompensated sector risk.
sounds like a retirement calculator would be better. They have the monte carlo simulator and account for additional investments each year. Fidelity's and firecalc.com are the two I prefer.
DVMResident wrote:Play with this tool:
Change the date ranges for each decade. The efficient frontier is a moving target.
There's no way of knowing in advance.