EDN wrote:We will measure the ending wealth of all 5 portfolios on December 31st, 2012 after a 13 year period where we began with $1M and took 4%, 5%, or 6% of the starting value adjusted for 3% per year inflation.....
100% Equity = 20% DFA Enhanced US large company, 20% DFA US large value, 10% DFA US micro cap, 10% DFA US small value, 10% DFA REIT, 10% DFA int'l value, 5% DFA int'l small, 5% DFA int'l small value, 5% DFA emerging value, 5% DFA emerging markets small
"Fixed Income" = 25% DFA one year fixed, 25% DFA two year global, 25% DFA short-term government, 25% DFA five year global
--all portfolios rebalanced annually
I'm skeptical. By the way, were you previously known as Jerry_Lee who no longer exists?
1. You must not seriously expect anyone to challenge anything you said - over a 13 year period of returns/withdrawals/inflation - using 14 DFAs funds that have been ground (not sliced) to death.... are you?
2. For the heck of it, these are plain vanilla Vanguard Total Mkt Funds for 13 years (2000-2012); and $1 million invested 1/1/2000 first All Stock vs. 14/6/80 US/International/Bonds. Nothing to prove/nothing to gain/nothing else to say.
Code: Select all
Year VTSMX VGTSX VBMFX $1M (70/30 Stocks) $1M (14/6/80 US/Int/Bond)
2012 16.25% 18.14% 4.05% 840,931 1,263,624
2011 0.96% -14.56% 7.56% 749,865 1,234,740
2010 17.09% 11.12% 6.42% 811,087 1,221,348
2009 28.70% 36.73% 5.93% 732,775 1,175,866
2008 -37.04% -44.10% 5.05% 582,193 1,103,818
2007 5.49% 15.52% 6.92% 996,764 1,195,125
2006 15.51% 26.64% 4.27% 956,963 1,160,920
2005 5.98% 15.57% 2.40% 838,742 1,128,220
2004 12.52% 20.84% 4.24% 802,603 1,133,391
2003 31.35% 40.34% 3.97% 726,895 1,109,651
2002 -20.96% -15.08% 8.26% 564,863 1,050,946
2001 -10.97% -20.15% 8.43% 728,180 1,065,241
2000 -10.57% -15.61% 11.39% 879,180 1,066,956
Portfolio balance is Nominal (no inflation) after 4% withdrawal (as far as I care to go)