Search found 4275 matches

by grayfox
Mon Jul 11, 2016 11:46 am
Forum: Investing - Theory, News & General
Topic: Maintaining 3-10 yrs expenses in fixed income in retirement rather than set %
Replies: 107
Views: 7549

Re: Maintaining 3-10 yrs expenses in fixed income in retirement rather than set %

This is certainly not a new concept or in any way my idea. I have always thought it made intuitive sense and this has been reinforced after reading darrow kirkpatrick's excellent new book. Looking at the major market declines of the last 100 years, it takes an average of 3 years for full recovery o...
by grayfox
Sun Jul 10, 2016 11:15 am
Forum: Investing - Theory, News & General
Topic: S+P 500 is not very diversified
Replies: 77
Views: 5378

Re: S+P 500 is not very diversified

I sounds like Google itself has diversified beyond search engines and online ads, and become some kind of technology conglomerate, under the Alphabet Inc. umbrella.

Fascinating.
by grayfox
Sun Jul 10, 2016 11:06 am
Forum: Investing - Theory, News & General
Topic: S+P 500 is not very diversified
Replies: 77
Views: 5378

Re: S+P 500 is not very diversified

Google is now called Alphabet Inc.? I guess I never got the memo.
by grayfox
Sun Jul 10, 2016 10:57 am
Forum: Investing - Theory, News & General
Topic: S+P 500 is not very diversified
Replies: 77
Views: 5378

Re: S+P 500 is not very diversified

I just read the following. I cannot confirm accuracy: -3 stocks account for 10% of the S+P 500 -10 stocks account for 20% of the S+P 500 -50 stocks account for 50% of the S+P 500. If true, many of you already know this I am sure, but it was news to me. An S+P 500 index fund may be a lot less divers...
by grayfox
Sat Jul 09, 2016 8:14 pm
Forum: Investing - Theory, News & General
Topic: This time it *IS* different - Treasury yields at all time lows, S&P near all time highs
Replies: 32
Views: 4665

Re: This time it *IS* different - Treasury yields at all time lows, S&P near all time highs

10 Year Treasury yields close at record lows 1.366% and the S&P 500 near record highs http://www.marketwatch.com/story/sp-500-near-record-highs-treasury-yields-at-lows-somethings-gotta-give-2016-07-08 Who is "right"? The extreme "pessimism" of bond buying or the extreme &quo...
by grayfox
Thu Jul 07, 2016 11:16 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1004
Views: 155552

Re: What are you up YTD? [Year To Date]

Here is a crazy thing. With LMP+RP approach, in theory, LMP is for safety and RP is for growth. But the safe LMP part has been soaring. With interest rates having declined, many of the Treasuries in the LMP have gains of 20+ percent. LMP has CDs for the shorter years, STRIPS for the longer years, an...
by grayfox
Sat Jul 02, 2016 9:43 am
Forum: Investing - Theory, News & General
Topic: Actionable advice in a Brexit scenario
Replies: 162
Views: 16247

Re: Actionable advice in a Brexit scenario

On another thread, I reported selling bond fund and buying stock fund on the BREXIT news. That thread must have been been locked or deleted, because I can't find it. To summarize the trade: Open: On Friday June 24th, 201t, sold VSCSX at 21.89 and bought VMNVX at the closing price of 23.18. Close: As...
by grayfox
Fri Jul 01, 2016 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest $1,000,000
Replies: 16
Views: 1871

Re: How to invest $1,000,000

My 97 year old father (who is still quite with-it) is sitting on approximately $1,000,000 cash - the result of individual bonds in which he had invested coming due. This represents approximately one-third of his total portfolio - the rest of the money is invested in bonds that have not come due. If...
by grayfox
Fri Jul 01, 2016 11:45 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1004
Views: 155552

Re: What are you up YTD? [Year To Date]

According to longinvest's Boglehead Returns spreadsheet: for the month of June-2016, +2.2%. YTD for 2016 , +6.3% That is the largest 1 month gain since +5.35 in Jul-2013, which followed -5.68% in Jun-2013. I don't recall what happened then. Maybe there was a jump in interest rates in Jun-2013. Every...
by grayfox
Wed Jun 29, 2016 10:23 am
Forum: Investing - Theory, News & General
Topic: Investing Returns on the S&P500
Replies: 34
Views: 2048

Re: Investing Returns on the S&P500

Nice work! :thumbsup

That is very useful for decision making.
by grayfox
Tue Jun 28, 2016 6:40 pm
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 11486

Re: What did you learn from the post-Brexit bloodbath?

I am already ahead! I bought VMNVX on Friday close at 23.18 Today, Tuesday, it closed at 23.34, (+1.52% today) A little Brexit'ing music When Britain first, at Heaven's command, Arose from out the azure main; Arose arose from out the azure main. This was the charter, the charter of the land, And Gua...
by grayfox
Sun Jun 26, 2016 6:28 pm
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 11486

Re: What did you learn from the post-Brexit bloodbath?

What bloodbath? At the close on Friday I am up +1.1% for June. I don't know what it was at the close on Thursday, so I can't say if I went up or down on Friday. Generally I only keep track at the end of the month using user longinvest's great returns spreadsheet. I hold 20% stocks and bonds all went...
by grayfox
Sun Jun 26, 2016 6:08 pm
Forum: Investing - Theory, News & General
Topic: BREXIT - Whats the big deal?
Replies: 108
Views: 10476

Re: BREXIT - Whats the big deal?

I don't understand something. There are two issues here. First is macro economics that affects the UK and EU economy as a whole. The other is individual corporations fundamentals. It is a given than after the shakeup the first one is going to be a problem until things settle down, for the foreseeab...
by grayfox
Sat Jun 25, 2016 11:43 am
Forum: Investing - Theory, News & General
Topic: Brexit - article/source request - please
Replies: 31
Views: 1767

Re: Brexit - article/source request - please

No one knows what will happen. Nobody has a crystal ball.

Supposed experts and economists will make all kinds of predictions about what will happen. But they have no better forecasting ability than anybody else.
by grayfox
Thu Jun 23, 2016 9:08 pm
Forum: Investing - Theory, News & General
Topic: Dividend and Buyback Yields, S&P 500, 1982-2015
Replies: 86
Views: 5097

Re: Dividend and Buyback Yields, S&P 500, 1982-2015

Hypothesis: Investors in a Company that retains Earnings, pays Dividends or buys back Shares will have the same Total Return at the end of the Period. To keep track of reduction in Shares Outstanding, I added a share count to my simple model. At the beginning of Year 0, the company has 1,000 Shares...
by grayfox
Thu Jun 23, 2016 8:33 pm
Forum: Investing - Theory, News & General
Topic: Dividend and Buyback Yields, S&P 500, 1982-2015
Replies: 86
Views: 5097

Re: Dividend and Buyback Yields, S&P 500, 1982-2015

Seems to me that you guys are making it way too complicated. Somebody holding X shares will still hold X shares after the buyback. It's just that the total number of shares decreased. Consequently *future* earnings will be spread on a smaller number of shares, hence increasing the EPS (if nothing e...
by grayfox
Wed Jun 22, 2016 8:28 pm
Forum: Investing - Theory, News & General
Topic: Dividend and Buyback Yields, S&P 500, 1982-2015
Replies: 86
Views: 5097

Re: Dividend and Buyback Yields, S&P 500, 1982-2015

But I don't see why Case 2 and Case 3 would have different P/B. They have the same BV1=55 = 50 in assets plus 5 in cash. But to have the same TR , Case2 needs P1=115 and Case3 needs P1=120, because Case2 you are short $5. :?: How does company that did Stock Buyback warrant a higher valuation and pr...
by grayfox
Wed Jun 22, 2016 7:37 pm
Forum: Investing - Theory, News & General
Topic: Dividend and Buyback Yields, S&P 500, 1982-2015
Replies: 86
Views: 5097

Re: Dividend and Buyback Yields, S&P 500, 1982-2015

If retaining earnings, paying a dividend or stock buybacks are all equivalent, then they should have the same Total Return, right?. Let's look at TR for the three cases. First, from Finance Formulas the formula for Total Return is: http://www.financeformulas.net/formulaimages/Total%20Stock%20Return%...
by grayfox
Sat Apr 16, 2016 11:51 am
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 194
Views: 26952

Re: I'm Calling an Emerging Markets Bottom

True, you don't need to know if the fund invests in China, Chile or Czechoslovakia to invest. You don't even need t know the name of the fund. All you really need is the symbol, VWO. And maybe a chart or some anecdotal information get the timing right.
by grayfox
Thu Apr 14, 2016 12:21 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 194
Views: 26952

Re: I'm Calling an Emerging Markets Bottom

Consider the population and GDP of the Emerging Market countries vs. the Developed Market Countries GROUP POP (millions) GDP (Billion USD) TOTAL(EM) 4,140.58 23,219.00 TOTAL(DM) 674.65 28,305.40 EM has population of 4.14 Billion, 6x the population of DM. But only 82% of the annual GDP. Let's look at...
by grayfox
Wed Apr 13, 2016 9:54 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 194
Views: 26952

Re: I'm Calling an Emerging Markets Bottom

@grayfox, Are you weighting your data by the market cap of the countries as represented in the index? No, I haven't gotten to looking at investments or percentages yet. Only which countries it invests in. --------------------------------------------------------------- BTW, if I weight the location ...
by grayfox
Wed Apr 13, 2016 9:53 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 194
Views: 26952

Re: I'm Calling an Emerging Markets Bottom

Greayfox, I liked your way of looking where the "center of gravity" for these markets are. I was surprised that the EM is in the Red See about 100 miles south of Mecca (hope I entered the numbers right) and the average for the developed Markets were north to the Red See in Turkey (surpris...
by grayfox
Wed Apr 13, 2016 9:42 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 194
Views: 26952

Re: I'm Calling an Emerging Markets Bottom

Here is the population and GDP for VEIEX COUNTRY POP (millions) GDP (Billion USD) CHINA 1,357.00 9,240.00 TAIWAN 23.48 474.00 INDIA 1,252.00 1,877.00 S AFRICA 52.98 350.60 BRAZIL 200.40 2,246.00 MEXICO 122.30 1,261.00 MALAYSIA 29.72 313.20 RUSSIA 143.50 2,097.00 INDONESIA 249.90 868.30 THAILAND 67.0...
by grayfox
Wed Apr 13, 2016 1:41 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 194
Views: 26952

Re: I'm Calling an Emerging Markets Bottom

Where does Emerging Markets Fund invest? On Vanguard, I looked up which countries VEIEX invests in. Then I looked up the capital city and where in the world they are located. COUNTRY CAPITAL LAT LONG CHINA BEIJING 39.9042 116.4074 TAIWAN TAIPEI 25.0330 121.5654 INDIA NEW DELHI 28.6139 77.2090 S AFRI...
by grayfox
Sun Apr 10, 2016 3:06 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing to control risk doesn't make sense to me
Replies: 42
Views: 3464

Re: Rebalancing to control risk doesn't make sense to me

So we've had some discussions regarding the so-called "rebalancing bonus" recently, about how rebalancing makes you buy low and sell high. There doesn't seem to be a lot of data to back that up, which seems reasonable since it would make it a valid market-timing strategy. (If you do think...
by grayfox
Sat Mar 26, 2016 11:10 am
Forum: Investing - Theory, News & General
Topic: Predicting stock market returns accurately?
Replies: 52
Views: 3340

Re: Predicting stock market returns accurately?

Unless I am misunderstanding something, then I have to conclude that this is not a valid forecasting model. REPEAT: THIS IS NOT A VALID FORECASTING MODEL. It is an explanatory model. It could have some usefulness. But as a simple regression model, it only explains the past. BTW, I've spent a lot of ...
by grayfox
Sat Mar 26, 2016 9:37 am
Forum: Investing - Theory, News & General
Topic: Predicting stock market returns accurately?
Replies: 52
Views: 3340

Re: Predicting stock market returns accurately?

Double posting to bump because new content. I cobbled together the total returns and re=ran the numbers. It's still not quite lining up for the 10-year nominal returns (matching what the author did). http://s9.postimg.org/4eku850jz/Untitled.png It's looking strangely poor at the 20-year mark relati...
by grayfox
Fri Mar 25, 2016 10:26 pm
Forum: Investing - Theory, News & General
Topic: Predicting stock market returns accurately?
Replies: 52
Views: 3340

Re: Predicting stock market returns accurately?

I downloaded the average equity allocation data set from FRED, S&P 500 total return (dividend-adjusted price return) from Yahoo, and CPI data from multpl and tried it out for myself. The FRED data set gives four data points per year from October 1951 through October 2015. http://s8.postimg.org/...
by grayfox
Fri Mar 25, 2016 9:54 am
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8023

Re: Cost of $1000 per Month Inflation-Adjusted Income?

NON-INFLATION ADJUSTED SPIA I've heard people say that Inflation-Indexed Annuities are expensive. I suppose if you compare the payout amount for a IA-SPIA vs a NIA-SPIA it appears expensive. For example, for the 60-year-old Male, from the same company, the NIA-SPIA was 5.99% vs. 4.30% for the IA-SP...
by grayfox
Fri Mar 25, 2016 12:34 am
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8023

Re: Cost of $1000 per Month Inflation-Adjusted Income?

I also really enjoy this thread - thanks to everyone who contributed. I looked at a different possible solution and looked at the Vanguard High Yield Bond fund (VWEHX) as a possible source of a safe inflation adjusted income. This fund has a 35 year history since 1980, I took the daily closing pric...
by grayfox
Sat Mar 19, 2016 10:52 am
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8023

Re: Cost of $1000 per Month Inflation-Adjusted Income?

VPW delivers a variable stream of withdrawals. I am much more pessimistic than you are; I would assume that the initial VPW withdrawal could temporarily drop by 50% during retirement. This would raise the cost to approximately $535,000. But, in exchange for this cost, most (and possibly all) annual...
by grayfox
Sat Mar 19, 2016 10:42 am
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8023

Re: Cost of $1000 per Month Inflation-Adjusted Income?

Another option is to use a TIPS ladder for the first 25 years, then buy an annuity at age 85 to cover years 85 until death. The 25 year TIPS ladder would cost ~$277k. An inflation indexed annuity for an 85 year old should pay out at least 12% of the lump sum (figuring a 6-7 year life expectancy for...
by grayfox
Fri Mar 18, 2016 10:05 pm
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8023

Re: Cost of $1000 per Month Inflation-Adjusted Income?

Grayfox, Do you know about variable withdrawal methods? Here are links that might interest you: ⋅  Our wiki: Variable percentage withdrawal page. ⋅  The thread discussing it: Variable Percentage Withdrawal (VPW) . 50/50 VPW Thanks. I downloaded the VPW spreadsheet. I just used t...
by grayfox
Fri Mar 18, 2016 9:46 pm
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8023

Re: Cost of $1000 per Month Inflation-Adjusted Income?

[A very important detail to know about the Managed Payout Fund, is that it originally used a formula that targeted a payout rate of 5%, and the stated goal (carefully stated as being goals only, not guaranteed) was that both the payouts themselves and the value of the remaining portfolio would keep...
by grayfox
Thu Mar 17, 2016 9:34 pm
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8023

Re: Cost of $1000 per Month Inflation-Adjusted Income?

50/50 TOTAL RETURN This should be easy. In 1998, the Trinity Study** established the 4% Rule: Withdraw 4% of the starting portfolio balance, and then increase the withdrawal each year with inflation. To get inflation-adjusted $12,000 per year would cost $12,000/0.04 = $300,000 and we're done. 8-) N...
by grayfox
Thu Mar 17, 2016 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Living off dividend income
Replies: 44
Views: 7086

Re: Living off dividend income

So I am trying to understand what dividend yield is and if many people actually can live off a dividend income. For example, for VTSAX, the dividend yield is 1.87%. Does that mean if you have 1 million dollars invested you earn $18,700? And is this annually for this fund or is it semi annually etc?...
by grayfox
Thu Mar 17, 2016 10:49 am
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8023

Re: Cost of $1000 per Month Inflation-Adjusted Income?

STOCK DIVIDENDS This looks simple enough to figure out. The plan would be to buy a stock fund and only spend the Dividend. I believe that historically, dividend increases have kept pace with inflation. I haven't checked that, but I think it's been true. To keep it simple, I am limiting the choices ...
by grayfox
Tue Mar 15, 2016 7:15 pm
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8023

Re: Cost of $1000 per Month Inflation-Adjusted Income?

Zero-Coupon Treasuries (STRIPS) Build a 40-year ladder using Zero-Coupon Treasury aka STRIPS. Basically, a bank or broker takes a regular Treasury Bond or Note with coupons, and makes every interest payment coupon and final principal payment a separate security. You buy STRIPS at a discount, and wh...
by grayfox
Tue Mar 15, 2016 10:59 am
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8023

Re: Cost of $1000 per Month Inflation-Adjusted Income?

SUMMARY OF WHAT I HAVE LEARNED SO FAR 1. Longevity. There is about 20% chance for a Male aged 60 to live to 90 or beyond. 1% chance to live to 100 or beyond. Slightly higher for Female. Higher still for at least one of a couple. For 99% confidence, plan to age 100 (40 years). 2. Inflation. Current ...
by grayfox
Tue Mar 15, 2016 12:22 am
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8023

Re: Cost of $1000 per Month Inflation-Adjusted Income?

I mostly agree with Magellan's analysis, though it is a bit conservative in covering a 40-year life expectancy. Rather than cover a long life expectancy, I'd buy an annuity at age 70. For example, at age 60, buy a 10-year CD ladder (roughly $120K) and invest $200K in 30-year TIPS. After 10 years, a...
by grayfox
Mon Mar 14, 2016 10:07 pm
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8023

Re: Cost of $1000 per Month Inflation-Adjusted Income?

I think Managed Payout *could* work. But you would have to "overfund" it. In other words, if you want $1,000 per month, instead of investing $300,000 you would have to put in something like $400,000. Then when the NAV drops and the payout drops you still get inflation-adjusted $1,000 per m...
by grayfox
Mon Mar 14, 2016 9:19 pm
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8023

Re: Cost of $1000 per Month Inflation-Adjusted Income?

How about this? MANAGED PAYOUT FUND Vanguard Managed Payout Fund How a managed payout can help with retirement income Vanguard Managed Payout Fund (VPGDX) Does this work? It's interesting that in the video "Pat" puts in $300,000 and gets 4% per year, or exactly $12,000 per year. This is $1...
by grayfox
Mon Mar 14, 2016 6:14 pm
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8023

Re: Cost of $1000 per Month Inflation-Adjusted Income?

Put 325,000 in a diversified bond fund yielding 2.6 pct with an inflation rate of 2 pct,and you will get 1000 per month adjusted for 2 pct inflation for 30 years. Of course,how good are those numbers going out 30 years? What are the chances that inflation compounded over the next 40 years will be g...
by grayfox
Mon Mar 14, 2016 6:04 pm
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8023

Re: Cost of $1000 per Month Inflation-Adjusted Income?

Grayfox, According to this Calculator - http://portfoliocharts.com/portfolio/withdrawal-rates/ Putting $150K in the Total Stock Fund and $150K in the Total Bond Fund should give you your $1,000 per month Inflation Adjusted. Looked at it. One problem with that calculator is that it used data only go...
by grayfox
Mon Mar 14, 2016 4:50 pm
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8023

Re: Cost of $1000 per Month Inflation-Adjusted Income?

... Cost to Fund with Cash (no inflation): $480,000 Cost to Fund with Cash (1975-2015 inflation): $1,105,635.77 :idea: I think everyone can agree that it would be idiotic to fund a 40-year retirement with cash in a mattress. If you have to plan for inflation, the amount of money you would have to s...
by grayfox
Mon Mar 14, 2016 4:40 pm
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8023

Re: Cost of $1000 per Month Inflation-Adjusted Income?

Update on highest annual inflation over forty year period. I took a look at the Robert Shiller Data, which includes CPI. I calculated the compound annual CPI inflation rate over 40-year periods for every month from 1911.01 until the present. Shocking results! :shock: Before 1916: Deflation as much ...
by grayfox
Mon Mar 14, 2016 11:44 am
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8023

Re: Cost of $1000 per Month Inflation-Adjusted Income?

Plugging this numbers into PV formula, I get a cost that is much higher cost. like 897K OMG, if this is true, just think of what a $4000/month federal government COLA pension is worth, not to mention it includes medical benefits? :oops: The government COLA pension is basically an Inflation-Adjusted...
by grayfox
Mon Mar 14, 2016 11:27 am
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8023

Re: Cost of $1000 per Month Inflation-Adjusted Income?

CASH Suppose I didn't trust insurance companies, banks, stocks or bonds. I could put cash in my mattress and take out $1000 each month. How much cash would I have to put in the mattress? 1. The main thing to know about cash is that it has zero nominal return. If you put $10,000 in a box, and come b...
by grayfox
Mon Mar 14, 2016 10:42 am
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8023

Re: Cost of $1000 per Month Inflation-Adjusted Income?

Use TIPS to calculate by building a 35 year ladder (assuming death at or before 95), each year investing a sum to generate $12,000 real. Ask #Cruncher, a Bogleheads member, he has a program to calculate the cost. Yes, that is an excellent calculator. I haven't gotten to it yet for this problem, but...
by grayfox
Mon Mar 14, 2016 12:31 am
Forum: Investing - Theory, News & General
Topic: Cost of $1000 per Month Inflation-Adjusted Income?
Replies: 67
Views: 8023

Re: Cost of $1000 per Month Inflation-Adjusted Income?

From another thread: This longevity estimator performs these calculations. For a male aged 60, this shows about 20% chance of still living at 90, and about 1% chance of still living at 100. (My guess was right!) So for my desired 99%, I would say that a Male60, should plan for 40 years, not 30 that ...

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